Stay in control of your finances and simplify your billing operations, whether you're on the go or at your desk, on any device.
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Zoho Billing brings practical AI to every billing workflow through Zia. Run billing tasks from a prompt, draft invoices and quotes, catch late-paying customers before invoices age, and forecast revenue from your own data.
Zia is Zoho's in-house AI, built and run entirely on Zoho's own infrastructure. It powers Ask Zia, CoCreate, Zia Invoice Insights, revenue forecasting, anomaly detection, and AI-generated workflows across Zoho Billing. Your financial data stays within Zoho and is never sent to external AI providers, and you don't pay separate per-seat AI licenses on top of your subscription.
Skip the navigation entirely for routine actions. Create customers, pull invoice lists by status or age, or trigger payment reminders with a single prompt, then confirm before anything goes live.
Get answers without running reports. Ask billing questions in plain language such as "how many invoices are overdue?", "what's our P&L this quarter?" and more to get instant results from your live data.
Use Speech Assistant to speak your queries or instructions in English, making it easier to check billing status or act on tasks when you are on the move.
Turn short prompts into fully‑formed billing documents.
Describe the customer, items, quantities, and pricing in plain language, and CoCreate generates quotes, sales orders, invoices, or credit notes that are ready for review.
Review every AI-generated transaction, adjust fields where needed, and approve it before it reaches your customer.
Zia totals every open balance across due, partially paid, and overdue invoices, so your team always knows the size of open receivables.
Zia scans your payment history over any period you choose and names the customers settling only part of what they owe, so you can focus outreach where risk is already building.
Zia measures each overdue invoice against your organization's own average late-payment cycle and surfaces the ones slipping furthest behind, so collections teams tackle the biggest risks before delays grow.
Use Writing Assistant to create email templates and invoice notes based on simple instructions, so your team can draft customer communication faster.
Rewrite content, fix grammar, adjust tone, or regenerate alternate versions until the message matches your brand and business context.
Save time on reminders and notifications by inserting AI-generated content into templates, editing where needed, and reusing polished versions across billing workflows.
Capture richer context automatically without adding more manual data entry.
Use Zia Forecasting to project key billing metrics from your historical data, see variance ranges for conservative, expected, and optimistic scenarios, and keep forecasts right inside Zoho Billing reports so finance teams can plan revenue and cash flow without exporting data or relying on guesswork.
Use Zia Anomaly Detection to automatically flag unusual spikes or drops in your charted billing and receivables data, compare expected and actual values, and spot issues early so you can investigate and respond to billing exceptions before they impact performance.
Use Zia Insights to turn complex reports into clear, narrative summaries that highlight key trends and patterns, make billing and receivables data easier for every stakeholder to understand, and pair charts with context so reports guide what to do next—not just what the numbers are.
Our data lives in Zoho Billing—now we just converse with it via Claude. Overdue receivables, on-demand reports are just a prompt away. Monthly close, especially, is faster and we trust what we're signing off on.
Maitham Al-Lawati
CEO, PowerDMARC
Choose which AI capabilities to turn on from AI Preferences, based on your business requirements and workflow maturity.
Review and update anything Zia generates, from content and transactions to workflows and insights, before it is used in your organization.
Zero. That's how much of your billing data we use to train our models. Fully compliant with GDPR, HIPAA, and CCPA; your data stays yours, always.
