Since Zoho Payments isn’t live in the UK yet, most teams I speak to are wiring up a gateway (Stripe, GoCardless, PayPal) to get a “Pay Now” link on invoices — then reconciling those against the bank feed afterwards.
A few things that seem to trip people up:
- Gateway choice & fees: card vs direct-debit vs bank transfer all land differently on cost and settlement speed.
- Reconciliation: matching a gateway payout (net of fees) back to the original invoice, so Books doesn’t show a mismatch.
- Getting paid on time: recurring invoices, auto-reminders and late fees to bring DSO down.
Curious what the group is actually using in the UK and where it still needs manual clean-up. Happy to share what I’ve seen work.