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Comparison · Finance
Increase vs Zoho Billing
A side-by-side editorial comparison of Increase and Zoho Billing — release velocity, themes, recent moves, and the top alternatives to consider.
Increase vs Zoho Billing: at a glance
| Feature | Increase | Zoho Billing |
|---|---|---|
| Sector | Finance | Finance |
| Velocity score | 2.5 | 5.0 |
| Sparks · 30d | 0 | 0 |
| Top themes | banking-as-a-service, payments, compliance, api | billing, subscriptions, reporting, churn |
| Last editorial update | 12d ago | 3d ago |
| Website | Visit → | — |
What is Increase?
Increase enriches card transactions with Spade merchant data between its quarterly letters.
A standalone update joins the quarterly newsletters: card transactions now carry a Spade enrichment record with the merchant's name, legal name, logo, website, phone number, store location and an industry category up to four levels deep. The last three quarters moved past core payment rails into managed compliance, entity onboarding sessions, 3D Secure, push provisioning and IP-restricted API keys. SDK coverage has widened to C#, PHP and Ruby, and the documentation was reworked to be readable by LLMs.
What is Zoho Billing?
Zoho Billing turns its reports toward churn and line-item revenue.
Zoho Billing's late-October run is about seeing inside subscriptions. A new Subscription Line Item report breaks every subscription into rows with quantity, price, discount and tax, churn reports now show the reasons customers gave for cancelling, and the customer portal's subscription page gains billing and usage tabs. Smaller additions let imports carry Plan IDs and let rule-based revenue recognition close out deferred revenue when a service finishes early.
Increase vs Zoho Billing: editorial side-by-side
Increase
2.5FINANCE
Increase enriches card transactions with Spade merchant data between its quarterly letters.
◆ Current state
A standalone update joins the quarterly newsletters: card transactions now carry a Spade enrichment record with the merchant's name, legal name, logo, website, phone number, store location and an industry category up to four levels deep. The last three quarters moved past core payment rails into managed compliance, entity onboarding sessions, 3D Secure, push provisioning and IP-restricted API keys. SDK coverage has widened to C#, PHP and Ruby, and the documentation was reworked to be readable by LLMs.
◆ Where it's heading
The arc runs from moving money to operating a bank program end to end. Early quarters added rails (FedNow, Push-to-Card, check transfers); recent ones add the compliance, onboarding and dispute machinery a customer would otherwise build or buy separately. Q2 2026 adds blockchain transfers alongside managed compliance, and flags cross-border payments and lending APIs as next.
◆ Prediction
Expect the cross-border payments and lending APIs named in the Q2 2026 letter to ship as the next quarter's headline, extending the same pattern of absorbing adjacent financial products into the core API.
Zoho Billing
5.0FINANCE
Zoho Billing turns its reports toward churn and line-item revenue.
◆ Current state
Zoho Billing's late-October run is about seeing inside subscriptions. A new Subscription Line Item report breaks every subscription into rows with quantity, price, discount and tax, churn reports now show the reasons customers gave for cancelling, and the customer portal's subscription page gains billing and usage tabs. Smaller additions let imports carry Plan IDs and let rule-based revenue recognition close out deferred revenue when a service finishes early.
◆ Where it's heading
After a September and early October focused on item-based and services billing, the product is filling in reporting and self-service around those subscriptions. The emphasis is on explaining revenue and churn to the business, and usage to the end customer, rather than on new billing models.
◆ Prediction
Expect more subscription analytics, such as churn or line-item data surfacing in dashboards, and more early-access revenue recognition options, the two threads recent entries keep extending.
Alternatives to Increase and Zoho Billing
Other Finance products tracked by Sparkpulse, ranked by recent ship velocity. Each card links to a full editorial trajectory and lets you pivot into a head-to-head comparison with either Increase or Zoho Billing.
Shift4
Shift4 Venue Q4-R2 is on canary venues now, with global release set for November 17.
Payhawk
Payhawk adds SWIFT payment tracking and a DualEntry ledger sync as ERP coverage widens
TaxDome
TaxDome Pipelines now remember your filters, and long task names stop getting cut off.
LNbits
LNbits 1.7.1 follows the urgent 1.7.0 fix by rotating auth keys.
Kolleno
Kolleno is stretching from collections software toward the whole cash cycle.
See all Increase alternatives → · See all Zoho Billing alternatives →
Recent activity from Increase and Zoho Billing
Latest ship moves from both products, interleaved chronologically. ⚡ = editorial spark.
- 9d agoZoho BillingGet Detailed Insights into Subscription Line Items Featured
- 15d agoZoho BillingSubscription imports now carry Price List IDs
- 15d agoZoho BillingView Churn Reasons in Subscription Reports Featured
- 15d agoZoho BillingImport Plan IDs Along with Subscription Details Featured
- 16d agoZoho BillingEnhanced Subscription Details Page in the Customer Portal Featured
- 27d agoZoho BillingView Recent Data First in Reports Featured
- 1mo agoIncreaseIncrease adds real-time merchant data from Spade to card transactions
- 3mo agoIncreaseManaged compliance and blockchain transfers land in Q2 ⚡
- 6mo agoIncreaseEntity onboarding, 3D Secure and IP-restricted keys
- 10mo agoIncreaseFedNow, Push-to-Card and a Cards Disputes API
- 1y agoIncreaseEvent log filtering and check transfer work
- 1y agoIncreaseFile links, check deposit images, Apple Pay history
Frequently asked questions
What is the difference between Increase and Zoho Billing?
They serve adjacent needs but don't currently overlap on shipped themes. Zoho Billing is currently shipping more aggressively (velocity 5.0 vs 2.5), with 0 editorial sparks in the last 30 days against 0. See the at-a-glance table above for a side-by-side breakdown of velocity, recent sparks, and editorial themes.
Is Increase better than Zoho Billing?
Sparkpulse doesn't pick a winner — we score release velocity, not feature parity. Zoho Billing is currently shipping more aggressively (velocity 5.0 vs 2.5), with 0 editorial sparks in the last 30 days against 0. For your specific use case, the alternatives sections above list other Finance products to evaluate alongside.
What are the best alternatives to Increase?
Top Increase alternatives in Finance are ranked by recent ship velocity. Browse the "Increase alternatives" section above for the current picks, or visit /alternatives/increase for the full list with editorial commentary on each.
What are the best alternatives to Zoho Billing?
Top Zoho Billing alternatives in Finance are ranked by recent ship velocity. Browse the "Zoho Billing alternatives" section above for the current picks, or visit /alternatives/zoho-billing for the full list with editorial commentary on each.