Ocrolus vs Zera Books Pricing Comparison 2025
Ocrolus charges per-document pricing and targets mortgage lenders. Zera Books offers $79/month unlimited for accountants. Learn why industry focus matters as much as price per document.
Understanding Ocrolus: Built for Lending, Not Accounting
Ocrolus is a document automation platform designed primarily for the mortgage and lending industry. While they offer high accuracy for bank statement analysis, their pricing model and feature set reflect their focus on loan underwriting rather than accounting workflows.
Ocrolus Target Market
- Mortgage lenders and brokers
- Consumer lending companies
- Small business lenders
- Fintech underwriting platforms
Zera Books Target Market
- CPAs and accounting firms
- Professional bookkeepers
- Small business owners
- Tax preparation professionals
Why Industry Focus Matters
Ocrolus optimizes for loan underwriting: income verification, cash flow analysis for creditworthiness, fraud detection. Zera Books optimizes for accounting: transaction categorization for QuickBooks/Xero, client management for multi-client firms, chart of accounts mapping. Different industries, different workflows, different value.
Ocrolus Per-Document Pricing vs Zera Books Unlimited
Ocrolus uses enterprise per-document pricing with annual contracts. Zera Books offers flat-rate unlimited at $79/month with no annual commitment.
Ocrolus Pricing Model
- Per-document pricing (varies by volume)
- Enterprise sales process required
- Annual contracts typically required
- Custom pricing based on use case
Estimated pricing
$2-10+ per document
Based on volume and contract terms
Zera Books Pricing Model
- Unlimited documents per month
- No sales process - start immediately
- Month-to-month (no annual contract)
- Transparent flat pricing
Simple pricing
$79/month unlimited
No per-document fees ever
Cost Comparison at Different Volumes
| Documents/Month | Ocrolus (est. $5/doc) | Zera Books | Your Savings |
|---|---|---|---|
| 10 documents | $50 | $79 | Ocrolus cheaper |
| 20 documents | $100 | $79 | $21/month saved |
| 50 documents | $250 | $79 | $171/month saved |
| 100 documents | $500 | $79 | $421/month saved |
| 200 documents | $1,000 | $79 | $921/month saved |
| 500 documents | $2,500 | $79 | $2,421/month saved |
Note: Ocrolus pricing varies based on contract terms and volume. $5/document is a mid-range estimate. Actual pricing requires enterprise sales consultation.
Lending Features vs Accounting Features
Ocrolus excels at loan underwriting workflows. Zera Books excels at accounting workflows. The features reflect these different focuses.
Ocrolus Features (Lending-Focused)
Income verification
Analyze income patterns for loan approval
Cash flow analysis
Evaluate borrower creditworthiness
Fraud detection
Identify document tampering for lenders
LOS integrations
Connect to loan origination systems
No QuickBooks/Xero integration
Not designed for accounting software
No transaction categorization
No chart of accounts mapping
Zera Books Features (Accounting-Focused)
AI transaction categorization
Auto-categorize for QuickBooks/Xero chart of accounts
Client management dashboard
Organize by client, track history, access past conversions
Direct QuickBooks/Xero integration
Pre-formatted exports ready for import
Multi-account auto-detection
Separate checking, savings, credit cards automatically
4 document types
Bank statements, financial statements, invoices, checks
Batch processing
Upload 50+ statements at once
Right Tool for the Right Job
If you're a mortgage lender evaluating loan applications, Ocrolus makes sense. If you're an accountant processing client bank statements for monthly bookkeeping, QuickBooks imports, or tax preparation, Zera Books is purpose-built for your workflow. The accounting-specific features save 30-45 minutes per client through AI categorization alone.
Accounting Firm Cost Scenarios
Let's calculate what an accounting firm would actually pay with per-document pricing versus unlimited. Most firms process 2-4 bank statements per client per month.
Solo Bookkeeper (15 clients)
- 15 clients x 3 statements/month = 45 documents
Ocrolus (est. $5/doc)
$225/month
Zera Books
$79/month
Save $146/month ($1,752/year) with Zera Books
Small Firm (40 clients)
- 40 clients x 3 statements/month = 120 documents
Ocrolus (est. $5/doc)
$600/month
Zera Books
$79/month
Save $521/month ($6,252/year) with Zera Books
Medium Firm (75 clients)
- 75 clients x 3 statements/month = 225 documents
Ocrolus (est. $5/doc)
$1,125/month
Zera Books
$79/month
Save $1,046/month ($12,552/year) with Zera Books
Tax Season Surge (3x volume)
- Normal: 120 documents/month
- Tax season: 360 documents/month
Ocrolus (est. $5/doc)
$1,800/month
Zera Books
$79/month
Same $79 regardless of tax season volume spikes
Per-Document Anxiety
With Ocrolus, every document processed is a cost calculation. Should you process this statement now or wait? Do you really need to re-run this conversion? Per-document pricing creates hesitation that slows down your workflow.
Enterprise pricing also means negotiating contracts and waiting for sales cycles.
Process Without Hesitation
With Zera Books unlimited, process any volume anytime. Re-run conversions, test different settings, add new clients - no cost impact. Your effective per-document cost approaches zero as volume increases.
Start immediately with no sales process or annual contract.
When to Choose Each Platform
Both platforms solve document automation, but for different industries. Here's when each makes sense.
Choose Ocrolus If You're...
- A mortgage lender evaluating loan applications
- Processing documents for income verification
- Need fraud detection for underwriting
- Integrating with loan origination systems
- Have enterprise budget for annual contracts
Choose Zera Books If You're...
- An accountant processing client bank statements
- Importing transactions to QuickBooks/Xero
- Need AI transaction categorization
- Managing multiple bookkeeping clients
- Want predictable $79/month unlimited pricing
The Bottom Line for Accountants
Ocrolus is excellent for lending workflows. But if you're an accountant, bookkeeper, or CPA processing bank statements for monthly bookkeeping or tax preparation, you're paying enterprise per-document prices for features you don't need while missing the accounting-specific features you do need. Zera Books gives you unlimited processing, AI categorization, client management, and QuickBooks/Xero integration at a fraction of the cost.
"Saves me probably 10 hours a week"
Ashish Josan, Manager, CPA at Manning Elliott
"My clients send me all kinds of messy PDFs from different banks. This tool handles them all and saves me probably 10 hours a week that I used to spend on manual entry."
Why Accounting-Specific Features Matter
Ashish manages bookkeeping for multiple clients with statements from different banks. With Zera Books, he uploads statements, gets AI-categorized transactions ready for QuickBooks, and imports directly. No manual categorization, no format conversion, no enterprise sales process. The accounting-specific workflow automation—not just extraction—is what creates the 10-hour weekly time savings.
Stop Paying Per-Document for Accounting Work
Zera Books is built for accountants, not lenders. Get unlimited document processing, AI categorization, and QuickBooks/Xero integration at flat $79/month—no enterprise contracts, no per-document fees.
Try for one week