Hubdoc's Multi-Account Limitations
Hubdoc is designed for document capture and basic invoice processing, but its architecture creates significant friction when managing multiple company accounts or clients with multiple bank accounts. For accounting firms processing statements for 10-50+ clients, these limitations compound into hours of wasted time every month.
The platform's single-login restriction and manual account assignment workflow were built for single-entity businesses, not for multi-client bookkeeping operations that need to process dozens of statements simultaneously.
The Account Switching Problem
Hubdoc cannot be logged into more than one company at once. If you manage 15 clients, you must:
- 1.Log into Client A's Hubdoc account
- 2.Upload and process their bank statements
- 3.Manually tag each transaction to the correct bank account (no auto-detection of last 4 digits)
- 4.Log out and switch to Client B
- 5.Repeat 15 times for all clients
For intercompany transactions, you must handle them separately in each entity - there's no unified view or workflow. If Client A pays Client B, you create two separate entries by switching accounts twice.
Time cost: 3-5 minutes per account switch × 15 clients = 45-75 minutes of pure overhead every time you process statements. During month-end, this happens multiple times as statements arrive on different schedules.
Learn more about how automated multi-account detection eliminates this switching overhead entirely.
Per-Client Pricing Impact
Hubdoc charges $12/month per client for unlimited documents. This seems reasonable for 2-3 clients, but the math changes dramatically as your firm grows:
At 7 clients, you're already paying more with Hubdoc. At 25 clients, you're paying nearly 4× more. At 50 clients, you're paying 7.6× more - and you still have to switch between accounts manually.
Zera Books uses a client management dashboard where all clients exist in one workspace - no per-client fees, no account switching, no artificial volume limits.
Zera Books Multi-Account Solution
Zera Books was built specifically for accounting firms managing multiple clients with multiple accounts. The platform uses Zera AI trained on millions of bank statements to automatically detect and separate all accounts in a single PDF.
Automatic Account Detection
Upload a combined statement PDF containing checking, savings, and credit card accounts. Zera Books detects each account type, extracts account numbers, and creates separate Excel files automatically.
Multi-Client Dashboard
Organize all clients in one workspace. Process 15 client statements simultaneously, track conversion history per client, and access past statements instantly - no account switching required.
Batch Processing
Upload 50+ statements at once. Process multiple clients simultaneously with queue management for large volumes. Each statement is automatically separated by account and organized by client.
Flat-Rate Pricing
$79/month for unlimited conversions, unlimited clients, unlimited accounts. No per-client fees, no per-page charges, no tier upgrades as you grow. Process 5 clients or 500 clients for the same price.
The platform also includes AI transaction categorization that auto-maps transactions to QuickBooks and Xero chart of accounts, and handles multi-currency transactions properly (unlike Hubdoc's problematic QuickBooks integration).
