Invoices out. Money in. Books done.
Zivobooks is the accounting app for small businesses. Send quotes and invoices, sell at a till that works offline, get paid by mobile money, card or bank transfer, run payroll and organise tax work from the same books.
- Countries
- 16
- Ways to get paid
- 20+
- Free trial
- 30 days
Works with the payment, messaging and accounting tools you already use
Why Zivobooks
You started a business, not a bookkeeping job.
Most owners we speak to have the same week: invoices typed up in Word, payments checked across three apps, receipts in a drawer and a VAT deadline that always comes too soon. Zivobooks pulls all of that into one place, so the admin takes an hour a week instead of a day.
Before
Invoices in Word, chased on WhatsApp, recorded in a spreadsheet.
With Zivobooks
One invoice, sent on WhatsApp, paid by EcoCash, recorded on its own.
Before
Bank statements matched by hand at the end of the year.
With Zivobooks
Statements imported in seconds and matched with a click.
Run the whole business
Every part of the money side, connected
Each step feeds the next. A quote becomes an invoice, the invoice gets paid, the payment matches your bank, and your VAT return and financial statements update as you go.
Quote it, win it, invoice it
Send a branded quote from your phone. Your customer accepts it online, and it becomes an invoice with the same lines and tax in one click.
More about quotes & invoices- Quotes customers accept, decline or question online
- VAT invoices in any currency
- Recurring invoices for retainers and rent
- Credit notes that keep your books right
Get paid by mobile money, card or transfer
Every invoice shows how to pay you. Online payments mark the invoice paid on their own, and overdue invoices remind the customer every week until they’re settled.
More about getting paid- Paystack, PayFast, Ozow, Paynow, Tap and PayTabs checkout
- EcoCash, M-Pesa, MoMo and 13 more on your invoices
- Customers upload proof of payment on the invoice
- Automatic reminders by email, WhatsApp and SMS
A till for the counter, stock for the shelf
Ring up walk-in sales on any phone or tablet, take cash, mobile money or card, and hand over a receipt. Stock comes off as you sell, and the till keeps working when the signal drops.
More about till & cash sales- Barcode scanning and split payments
- Keeps selling offline, sends sales later
- Stock per branch with reorder alerts
- Cash-up with over and short worked out
Keep track of every order, bill and receipt
Raise purchase orders and receive the goods into stock. Photograph a receipt and send it on WhatsApp, and it’s read for you. Approve bills before they’re paid, then pay a batch of suppliers with one bank upload.
More about bills & expenses- Purchase orders that become bills
- Receipts read from a photo
- Approval before anything is paid
- Bulk supplier payments in one file
Run payroll that knows the local rules
Run the pay run, check it, post it. Payslips go out by email and your statutory return figures are ready, whether it’s SARS, ZIMRA, ZRA, Namibia’s SSC, Saudi GOSI or a UAE WPS file.
More about payroll & leave- PAYE and contributions worked out for you
- Payslips emailed to every employee
- EMP201, NSSA, NAPSA and more prepared
- Leave balances always up to date
Match your bank in minutes
Import a statement from any major bank. Zivobooks suggests which invoice or bill each line belongs to, and you confirm. Your books and your bank finally agree.
More about banking & reconciliation- OFX, MT940, camt.053 and CSV statements
- Matching suggestions you confirm in a click
- Rules that remember your regular payments
- Month-end reconciliation on record
Be ready before the deadline, not after
Your invoices and bills feed supported tax work from the records you already keep. See available deadlines for registered taxes, review source notes, and invite your accountant to check the work.
More about tax preparation- VAT returns prepared from your records
- PAYE, provisional tax, WHT and more where supported
- Supported deadlines in Google or Outlook
- Return status updates when an acknowledgement is recorded
Know your numbers without decoding them
A dashboard in plain words, and proper financial statements underneath: profit and loss, balance sheet and cash flow, ready whenever the bank or your accountant asks.
More about accounting & reports- Profit and loss, balance sheet, cash flow
- Aged debtors and creditors
- Sales by customer and by product
- Cash forecast for the next 30 days
Everything in one place
One app instead of six
No more paying for an invoicing app, a payroll app, a spreadsheet and a bookkeeper to glue them together.
Quotes & invoices
Branded quotes your customers accept online, turned into invoices in one click.
Learn moreGetting paid
Mobile money, cards and bank transfers, with reminders that do the chasing for you.
Learn moreCustomers & products
Every customer’s quotes, invoices, payments and messages on one page.
Learn moreTill & cash sales
Ring up walk-in sales on a phone or tablet, even when the signal drops.
Learn moreOn your phone
Install Zivobooks on your home screen in seconds. The till even works offline.
Learn moreBills & expenses
Snap a receipt on WhatsApp, approve the bill, pay suppliers in bulk.
Learn moreStock & purchase orders
Know what’s on the shelf, what it’s worth and what to reorder.
Learn moreBanking & reconciliation
Import statements from any major bank and match transactions in minutes.
Learn morePayroll & leave
Pay runs, payslips and statutory returns for PAYE, UIF, NSSA, NAPSA, GOSI, WPS and more.
Learn moreTax preparation
VAT returns, provisional tax and a calendar that warns you before the deadline.
Learn moreMulti-currency
Invoice, get paid and pay suppliers in any currency, with one set of books.
Learn moreAccounting & reports
Real double-entry books with P&L, balance sheet and cash flow, always up to date.
Learn moreInsights & cash forecast
See next month’s cash today, and what to put aside for tax.
Learn moreProjects & time
Track hours against projects and bill them without retyping.
Learn moreFixed assets
A register of vehicles and equipment with depreciation posted for you.
Learn moreWhatsApp & AI assistant
Send documents, chat with customers and read receipts, all on WhatsApp.
Learn moreDocuments
A secure vault for receipts, contracts and the documents your accountant asks for.
Learn moreMultiple businesses & roles
Run several companies, each with its own plan, and give people exactly the access they need.
Learn moreShops, salons and counters
A till that keeps selling when the network doesn’t
Open the till on the phone in your pocket. Scan, take payment, give change and hand over a receipt. If the signal drops, sales are kept on the phone and sent the moment it’s back, so a power cut never costs you a sale.
- Sell from any device Phone, tablet or laptop. Add a barcode scanner or receipt printer if you like.
- Offline, then in sync Sales wait safely on the device and are each recorded once when you’re back online.
- Stock that adds up Every sale takes stock off. Purchase orders and counts keep it right, per branch.
- Cash-up in a minute Count the drawer at close and see straight away if it’s over or short.
Made for here
Not a foreign app with a currency dropdown bolted on
Business in Harare or Riyadh isn’t business in London. Customers pay by mobile money or mada, deals happen on WhatsApp, you might quote in US dollars and bank in ZiG or dirhams, and every country’s tax rules are different. Zivobooks was built around that from day one.
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Mobile money first
16 wallets, from EcoCash to M-Pesa to Orange Money, on your invoices.
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WhatsApp built in
Send invoices and chat with customers from your own number.
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Two currencies, no headache
Invoice, get paid and pay suppliers in any currency. Exchange gains and losses post themselves.
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Tax tools with local context
Country-specific tax workspaces, visible source notes and a calendar to help you prepare and plan.
Available in
Country guidesCountry labels describe product availability, not tax-rule certification or filing approval. Each guide shows tax types with rules that still need source review. Confirm obligations with your authority before filing.
Teams & multiple businesses
Run three companies. Give your cashier exactly one job.
Add as many businesses as you own, each with its own books and its own plan. Then decide who sees what: build roles with View or Edit per area, and give people access to one business or all of them, including ones you add later.
For accountants & bookkeepers
Your accountant will thank you
Invite your accountant to work in your books with a role you choose. They can start free with one client business, request the documents they need, and manage more clients with a practice plan.
Security
Your numbers are safe with us
Financial data deserves more than a password. These protections are switched on for every account, on every plan.
Email code at every sign-in
A one-time code confirms it’s really you, even if your password leaks.
Two-factor authentication
Add an authenticator app, with recovery codes for a lost phone.
Encrypted sensitive data
Tax numbers, bank details and credentials are encrypted in the database.
A permanent audit trail
Every invoice, approval and access change is recorded with who and when.
Pricing
30 days free. Then pay per business, from $5.
Try every feature with no card. Each business has its own plan, and accountants can start free with one client before choosing a practice plan for more.
Questions people ask
Can’t find what you’re looking for? Ask us directly, and a person will answer.
Can I try Zivobooks for free?
Yes. Your first business gets 30 days with every feature, and no card is needed. After that, plans start at US$5 a month per business, and you can cancel any time.
Which countries is Zivobooks for?
South Africa, Zimbabwe, Zambia, Botswana, Namibia, Malawi, Lesotho, Eswatini, Mozambique and Angola, and in the Gulf the United Arab Emirates, Saudi Arabia, Bahrain, Oman, Qatar and Kuwait. Each country has its own currency and local payment methods. Tax and payroll coverage varies by country and tax type; source notes show which rules need confirmation.
Do I need to know accounting?
No. You work with quotes, invoices, bills and payments, in plain language. Zivobooks keeps proper double-entry books in the background, so when your accountant logs in they find exactly what they expect.
Can my customers pay me with EcoCash, M-Pesa, MoMo or mada?
Yes. Your mobile money and bank details appear on every invoice, customers can upload their proof of payment on the invoice itself, and you can connect Paystack, PayFast, Ozow or Paynow for online checkout, or Tap, PayTabs, Telr, Moyasar or Stripe in the Gulf, with mada, KNET and Apple Pay.
I run more than one business. Do I need several accounts?
No. One login covers all your businesses. Each one has its own books and its own plan, so a small side business can be on Starter while your main company is on Pro. An overview shows them all side by side, per currency.
Can I use Zivobooks in my shop?
Yes. Every plan includes a till for walk-in sales and stock tracking. Scan or tap products, take cash, mobile money or card, and print or WhatsApp the receipt. Each sale is a paid invoice in your books, with the stock and VAT taken care of.
Does it work on my phone, even without signal?
Zivobooks works on any phone and installs on your home screen straight from the browser, with no app store. The till keeps selling without a connection and sends the sales when you’re back online. Everything else needs a connection, so your financial records are never stored on the phone.
Can I move from Xero, QuickBooks, Sage or SAP?
Yes. Connect your old system with your own login and bring across your chart of accounts, customers, suppliers, invoices, bills, payments and journals. Running the import again never creates duplicates.
How safe is my data?
Every sign-in is confirmed with a code sent to your email, two-factor authentication is available on every account, sensitive details like tax numbers and bank details are encrypted, and every important action is recorded in an audit log.
Can I give my accountant access?
Yes. Invite your accountant from settings and choose their level of access. An accountant can serve one client business on the free practice plan; paid practice plans cover more clients. You can remove access at any time.
Give your business the back office it deserves.
Try every feature free for 30 days. No card, no contract, and your data is always yours to export.
30 days free · Then from $5 a month · Cancel any time · Works on phone, tablet and computer