Hubdoc Pricing Alternatives: Unlimited vs Per-Client Costs
Hubdoc charges $20 per client. For accounting firms managing 10+ clients, that's $200+/month and climbing. Zera Books offers unlimited financial document processing for $79/month flat—no per-client fees, no usage tracking, no cost surprises.
Understanding Hubdoc's Pricing Model
Hubdoc uses a per-business pricing model: $20 per month per client. For accounting firms, this means your monthly cost scales linearly with your client count. While Hubdoc offers wholesale pricing to accountants and bookkeepers, the fundamental structure remains per-client based.
Standard Pricing
$20/month per business. Each client you manage requires a separate subscription.
Wholesale Pricing
Available for accountants managing multiple clients, but still based on per-client costs.
The Math for Growing Firms
At $20 per client, your Hubdoc costs scale predictably—but also relentlessly. 5 clients = $100/month. 10 clients = $200/month. 25 clients = $500/month. 50 clients = $1,000/month. Every new client increases your software overhead.
For firms focused on bank statement processing, you're also paying for bundled features like receipt scanning and invoice capture that may not align with your core workflow.
Why Accounting Firms Look for Alternatives
Per-client pricing creates three fundamental challenges for growing accounting practices:
Cost Scales with Client Growth
Every new client adds $20/month to your software bill. As your firm grows from 10 to 50 clients, your Hubdoc costs grow from $200 to $1,000 per month. Your revenue per client stays constant, but your per-client overhead increases proportionally. This makes scaling less profitable unless you pass costs to clients.
Bundled Features You May Not Need
Hubdoc packages receipt scanning, invoice processing, and bank statement extraction together. If your workflow focuses primarily on bank statement processing and invoice extraction, you're paying for features that don't match your core needs. You need focused tools, not bundled everything.
Cost-Benefit Gap for Small Clients
A client with one checking account still costs $20/month to process in Hubdoc. That's $240/year for minimal document volume. The flat per-client rate doesn't account for complexity—a single-account business and a multi-entity client with 10 accounts cost the same. This creates pricing friction when onboarding smaller clients.
Zera Books Pricing vs Hubdoc
Hubdoc charges per client. Zera Books charges per platform. One flat rate covers unlimited clients, unlimited conversions, and unlimited processing volume.
Hubdoc
Costs scale with every client
Best for: Xero users or firms with fewer than 4 clients
Zera Books
Unlimited clients, unlimited processing
Breakeven point: At 4 clients, Hubdoc costs $80/month—more than Zera Books' $79/month unlimited. Every client beyond 4 increases the savings gap. At 10 clients, you save $121/month. At 50 clients, you save $921/month.
Real Cost Comparison: Hubdoc vs Zera Books
See exactly how much you save as your firm scales. Hubdoc's per-client model becomes dramatically more expensive with client growth.
| Client Count | Hubdoc Cost | Zera Books Cost | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| 5 clients | $100/mo | $79/mo | $21/mo | $252/yr |
| 10 clients | $200/mo | $79/mo | $121/mo | $1,452/yr |
| 25 clients | $500/mo | $79/mo | $421/mo | $5,052/yr |
| 50 clients | $1,000/mo | $79/mo | $921/mo | $11,052/yr |
Annual savings at 10 clients
Annual savings at 25 clients
Annual savings at 50 clients
What You Get with Zera Books
$79/month gets you a complete financial document processing platform—not just a converter. Built specifically for CPAs and accountants managing multiple client workflows.
4 Document Types
Process bank statements, financial statements, invoices, and checks—all in one platform. Hubdoc bundles receipts and expenses; Zera Books focuses on the documents accountants actually need.
- Bank statements (checking, savings, credit cards)
- Financial statements (P&L, balance sheets)
- Vendor invoices with line item extraction
- Check images with MICR extraction
AI Transaction Categorization
Zera AI automatically categorizes transactions for QuickBooks and Xero chart of accounts. Reduces manual data entry by 85% and cuts month-end close time from days to hours.
- GAAP-trained accounting categories
- Learns from your categorization patterns
- Pre-formatted for direct QuickBooks/Xero import
Client Management Dashboard
Organize conversions by client, track processing history, and access past statements instantly. Built for multi-client bookkeeping workflows.
- Unlimited conversion history per client
- Batch processing (50+ statements at once)
- Re-download past conversions anytime
Zera AI Technology
Proprietary AI trained on 3.2+ million financial documents. Dynamically processes any bank format without template training—unlike Docsumo, Klippa, or Nanonets.
- 99.6% field-level extraction accuracy
- Works with all bank formats worldwide
- Zero template configuration required
All of this for $79/month. No per-client fees. No per-page fees. No usage tracking. No upgrade tiers.
Try for one week
"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."
Ashish Josan
Manager, CPA at Manning Elliott
When Hubdoc Makes Sense
Hubdoc isn't the wrong choice for everyone. There are specific scenarios where Hubdoc's per-client pricing and bundled features align well with firm needs:
You're Already Using Xero
Hubdoc is included with Xero subscriptions, making it effectively free for Xero users. If you and your clients are already committed to Xero, Hubdoc's bundled access makes it a cost-effective choice. The integration is native and seamless.
You Manage Fewer Than 4 Clients
At 3 clients or fewer, Hubdoc costs $60/month—less than Zera Books' $79/month. If you're a small practice with no growth plans beyond a handful of clients, Hubdoc's per-client model works in your favor. The breakeven point is at 4 clients.
You Need Receipt and Expense Management
If your workflow includes heavy receipt scanning, expense tracking, and bill management—not just bank statement processing—Hubdoc's bundled features provide value. You're using the full platform, not paying for unused functionality.
For everyone else: If you manage 4+ clients, focus primarily on financial document processing (bank statements, invoices, checks), or plan to grow your practice—Zera Books' unlimited pricing saves you money and scales with your firm without increasing software costs.
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Ready to Save on Document Processing?
Stop paying per client. Zera Books offers unlimited financial document processing for $79/month flat. Process bank statements, invoices, financial statements, and checks for unlimited clients—no usage tracking, no per-client fees, no cost surprises.
Unlimited clients
Extraction accuracy
Saved per week