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OxyAccounting is complete cloud accounting software built for South African small businesses, from your first invoice to monthly payroll, a real double-entry ledger and a SARS-form VAT201. Below is a full feature breakdown and an honest comparison against Sage and QuickBooks.

Professional invoicing & sales

Create and send branded invoices in seconds. Attach your company logo, bank details and terms. OxyAccounting auto-detects overdue invoices and lets you send reminder emails with one click. Recurring invoices are generated and sent automatically at the interval you choose. Recorded a payment against the wrong invoice? Reverse it, and the ledger and invoice balance are corrected together.

Invoices, quotations and credit notes

PDF generation and email delivery from inside the app

Recurring invoices with auto-send at 01:00 daily

Partial and full payment recording

Payment allocation across multiple invoices

Payment reversal with matching GL reversal

Customer statements with age analysis

Purchasing & accounts payable

Raise purchase orders and email them to suppliers directly from OxyAccounting. Record goods received notes when stock arrives and link them back to the original PO. A full 3-way match (PO → GRN → Supplier Invoice) keeps procurement airtight, and you can record partial or full supplier payments against each invoice with their own accounts-payable audit trail.

Purchase orders sent by email from the app

Goods received notes update stock automatically on acceptance

Supplier invoices linked to POs and GRNs

Supplier payments (partial or full) with a separate audit trail

3-way match: PO → GRN → Supplier Invoice

GL entries posted automatically on each event

Bank reconciliation

Import CSV statements from all five major South African banks (FNB, ABSA, Capitec, Standard Bank and Nedbank) across as many bank accounts as your business runs. Credits are auto-matched to open customer payments; debits to approved expenses. Record a manual bank transfer or an expense refund without leaving the screen, then lock the period when everything balances.

CSV import from FNB, ABSA, Capitec, Standard Bank, Nedbank

Multiple bank accounts per company

Auto-matching of credits to payments and debits to expenses

Record manual transfers and expense refunds inline

Manual matching and exclusion tools

Period locking for clean month-end sign-off

Inventory & stock control

Every product has a live stock quantity maintained by the system. Stock increases when a GRN is accepted and decreases when an invoice is finalised, with no manual entry. Cost of Goods Sold (COGS) is posted to the General Ledger automatically. Every stock movement is logged to a permanent audit trail.

Real-time stock quantity per product

Auto-decrease on invoice finalisation

Auto-increase on GRN acceptance

Auto-restore on credit note issuance

COGS journal posted automatically

Full stock movement audit trail

General ledger & financial reporting

Under the hood, OxyAccounting is a real double-entry accounting system. Every invoice, credit note, payment, expense, GRN and supplier invoice posts a balanced journal automatically, with no manual entries. Browse every journal with drill-through to its source document, review anything unposted and open per-account ledgers. When it's time to report, export a trial balance and an IAS 1 classified balance sheet (with a prior-year comparative column) straight to Excel. The GL Control Tie-Out report reconciles every subledger back to the ledger and flags discrepancies, so your books are audit-ready and your accountant can trust them.

Automatic double-entry journals on every document

Journal browser with drill-through to source documents

Unposted Items review screen

One-click South African SME chart of accounts

IAS 1 classified balance sheet with prior-year comparison

Trial balance and balance sheet export to Excel

Fixed Asset Register with automatic monthly depreciation

Opening balances for mid-year onboarding

Year-end close that locks completed periods

GL Control Tie-Out that reconciles every subledger back to the ledger

VAT compliance & VAT201

OxyAccounting handles South African VAT end to end. Each line item carries its own treatment (standard at 15%, zero-rated, exempt, not charged or export), and Output and Input VAT are tracked in separate ledger accounts. The VAT201 engine is built against the real SARS VAT201 form, field by field (fields 1 to 20), and a reconciliation panel ties every figure on the return back to your general ledger before you file. It is not a SARS-certified or government-approved product. You review the return and submit it yourself through SARS eFiling.

Per-line VAT treatment: standard, zero-rated, exempt, not charged, export

Output VAT and Input VAT tracked in separate ledger accounts

VAT201 mapped field-by-field to the SARS form (fields 1–20)

GL-to-VAT201 reconciliation panel before you file

Export for manual submission via SARS eFiling

Bad debt relief under s22(4) of the VAT Act

South African payroll

Run monthly payroll without a separate payroll product. Add your employees with their salaries, banking details and recurring pay items, and each month's pay run calculates PAYE, UIF and SDL for every payslip from the official SARS tax tables, with medical scheme fees tax credits and the retirement contribution deduction applied. Finalising the run freezes payslips with year-to-date totals and posts one balanced salary journal to the general ledger. At filing time, the EMP201 report gives you the month's PAYE, UIF and SDL figures ready to capture on SARS eFiling.

Employee register with salaries, banking details and recurring pay items

PAYE, UIF and SDL calculated from the official SARS tax tables

Medical aid tax credits and retirement deductions applied

One-off items like bonuses, with tax recalculated immediately

BCEA-compliant payslip PDFs with year-to-date totals

Salary journal posts to the general ledger on finalisation

Monthly EMP201 figures ready to capture on eFiling

Accountant access

Your accountant shouldn't need a spreadsheet export to do their job. Invite them by email from Settings, and once they accept, they can switch into your company and see your books exactly as you do: the same invoices, the same ledger, the same reports, in real time. You stay in control throughout, seeing who has access and revoking it whenever you like, and a persistent banner shows which client your accountant is currently working on.

Invite by email from Settings → Accountant Access

Nothing is shared until your accountant accepts the invite

Accountant sees your books exactly as you do: same features, same numbers

Persistent banner shows who's acting on your account while they're in

See who has access and revoke it at any time

Every action taken while acting is logged to the accountant's name

Roxy, your AI bookkeeping assistant

Roxy is OxyAccounting's built-in AI assistant, powered by Claude from Anthropic. She's aware of the page you're on, so her answers are in context, and she stays open as a chat tray while you keep working. Ask anything about accounting workflows, South African compliance or how to use any part of OxyAccounting, in plain English. Roxy is included at no extra cost, available 24/7 with no setup required.

Aware of the page you're on for in-context help

Stays open as a chat tray as you navigate

Understands South African VAT, POPIA and accounting standards

Explains invoicing, reconciliation and GL concepts in plain English

Included at no extra cost, with no setup or add-on fee

Honest comparison

OxyAccounting vs Sage vs QuickBooks

This comparison is to the best of our knowledge and may not reflect the latest pricing or feature changes from Sage or Intuit. Please verify on their websites before deciding.

Feature	OxyAccountingR149/month	Sage Business CloudFrom R240/mo	QuickBooks OnlineVerify on their site
Pricing
Monthly price (base)Sage Accounting Start is R240/mo (incl. VAT) per the Sage SA shop. QuickBooks ZA retail pricing could not be independently confirmed, so please check their website.	R149/mo	From R240/mo	Verify on site
All features at one priceSage and QuickBooks use tiered plans, so higher tiers cost more.
Free trialOxyAccounting asks for no card details to start a trial. Sage and QuickBooks both run trial offers in South Africa, but the length and the card requirement change from time to time, so check their current terms.	14 days, no card	Verify on site	Verify on site
Annual contract requiredAll three are available month-to-month.
Users on base plan	3	1	1
Sales
Invoicing
Quotations / estimates
Credit notes
Recurring invoices
PDF & branded email delivery
Overdue reminders
Customer statements
Payment allocation
Payment reversal (with GL reversal)Undo an incorrectly recorded payment. OxyAccounting reverses the ledger and the invoice balance together.
Purchasing & payables
Purchase orders			Higher tiers
Goods received notes (GRN)		Some tiers
Supplier invoices
Supplier payments (partial / full)Record payments against supplier invoices with a separate accounts-payable audit trail.
3-way match (PO → GRN → Inv.)		Partial
Bank reconciliation
CSV bank import
Multiple bank accountsConnect and reconcile more than one bank account per company.
Live bank feedsOxyAccounting uses CSV import only, with no open-banking feed.
All 5 major SA banksQuickBooks SA bank coverage may vary.			Partial
Auto-matching
Record transfers & refunds inlineRecord a manual bank transfer or an expense refund straight from the reconciliation screen.		Partial	Partial
Period lock
Inventory
Inventory management		Some tiers	Plus tier
COGS tracking
Stock movement audit trail		Partial	Partial
Auto-update on invoice/GRN		Partial	Partial
General ledger & compliance
Full double-entry GLEvery invoice, credit note, payment, expense, GRN and supplier invoice posts a real double-entry journal automatically.
Journal browser with drill-through
Unposted items review		Partial	Partial
One-click SA SME chart of accounts
IAS 1 balance sheet (comparative)Classified current vs non-current assets and liabilities, with a prior-year column.
Trial balance export (Excel)
Fixed asset register + depreciationAutomatic monthly straight-line depreciation via a scheduled job.		Higher tiers	Limited
Opening balances (mid-year onboarding)
Year-end close / period lock
GL control tie-out reportReconciles every subledger (debtors, creditors, bank and VAT) back to the general ledger and flags discrepancies.		Partial	Partial
VAT & reporting
VAT201 built against the SARS formFields 1 to 20 of the real SARS VAT201 form. It is not SARS-certified, so you review the return and submit it yourself via eFiling.
GL-to-VAT201 reconciliation		Partial	Partial
VAT treatments (standard/zero/exempt/export)
Income vs. expense report
Customer age analysis
Year-to-date figures
Expense tracking with VAT
Platform & extras
Built-in AI assistantOxyAccounting's Roxy is powered by Anthropic Claude, is aware of the page you're on and stays open as you work.	Roxy (Claude)
Invite your accountant into live booksOxyAccounting's accountant link gives your accountant direct, real-time access to your books once you invite them and they accept, with the same scoping you'd get. They need their own paid OxyAccounting subscription to do this. Sage and QuickBooks don't require a separate subscription for your accountant.	Yes (own subscription)	Yes (uses a seat)	Free & unlimited
Payroll (PAYE, UIF, SDL)OxyAccounting includes monthly payroll at no extra cost: PAYE, UIF and SDL from the SARS tax tables, BCEA-compliant payslips and EMP201 figures. IRP5/IT3(a) and e@syFile export are not yet included.		Paid add-on	Paid add-on
API access
POPIA-compliant hostingIntuit/QuickBooks is a US company; data is processed offshore.
Setup time	~2 minutes	30–60 min	30–60 min
Mobile-ready (browser-based)

Competitor pricing and features are approximate, based on publicly available information and may have changed. OxyAccounting makes no guarantee of accuracy for third-party data. Always verify on Sage and QuickBooks directly.

OxyAccounting vs Sage →OxyAccounting vs QuickBooks →Sage alternative in South Africa →

Frequently asked questions

Yes. Every account starts with a 14-day free trial and we don't ask for card details to begin it. You get the complete platform, not a cut-down version, and the account you set up during the trial is your real account — subscribe on day 14 and everything you entered is still there.

Yes. OxyAccounting is a full double-entry accounting system. Every invoice, credit note, payment, expense, GRN and supplier invoice posts a balanced journal automatically. You get a journal browser with drill-through to source documents, per-account ledgers, a trial balance, an IAS 1 classified balance sheet with a prior-year column, a Fixed Asset Register with automatic depreciation, year-end close and a GL Control Tie-Out report that reconciles every subledger back to the ledger.

No, and we're careful not to claim otherwise. OxyAccounting's VAT201 is built against the real SARS VAT201 form, field by field (fields 1 to 20), and reconciles every figure back to your general ledger before you file. It is not a SARS-certified or government-approved product. You review the return and submit it yourself through SARS eFiling.

Yes. OxyAccounting supports CSV import from FNB (First National Bank), ABSA, Capitec, Standard Bank and Nedbank, across multiple bank accounts per company. All five are included at no extra charge.

Not yet. OxyAccounting currently uses CSV import for bank reconciliation. Live bank feeds (open banking) are on the roadmap. CSV import is available from all five major SA banks and covers the reconciliation workflow fully, including reconciling more than one bank account.

Yes. South African payroll is included in the R149/month plan at no extra cost. Monthly pay runs calculate PAYE, UIF and SDL for every payslip from the official SARS tax tables, with medical aid tax credits and retirement deductions applied. Payslip PDFs are BCEA-compliant with year-to-date totals and the salary journal posts to the general ledger when you finalise the run. The EMP201 report gives you monthly figures ready to capture on SARS eFiling. IRP5/IT3(a) certificates and the EMP501 e@syFile export aren't available yet, but they're planned.

Yes. OxyAccounting is built with POPIA-compliant data handling. All data is processed in accordance with South African privacy law.

OxyAccounting costs R149/month with all features included in a single plan. Sage Business Cloud Accounting Start (the base plan, designed for sole traders) is R240/month including VAT, per the official Sage SA shop. The Standard tier is R435/month. Inventory, purchasing and other features are locked behind higher tiers, so the cost of an equivalent feature set on Sage is substantially higher than the base price. Always verify current pricing directly on Sage's website.

Yes. OxyAccounting is a standalone platform. You can start fresh and recreate your customers, suppliers and products directly inside the app. An opening balances screen lets you bring an existing business onto OxyAccounting part-way through a financial year.

Yes. From Settings → Accountant Access, invite your accountant by email. If they're a registered OxyAccounting accountant, they'll receive an invite to accept. Once accepted, they can switch into your company and see your books exactly as you do, with the same features and the same numbers. You can see who has access and revoke it at any time.

Yes. Your accountant needs to be a registered, paying OxyAccounting subscriber with accountant access approved before you can invite them. Once approved, they can work across every client who invites them from a single login.

Ready to try it yourself?

Free for 14 days, no card. R149/month after that, everything included.

Start your 14-day free trial See pricing details

Every feature.One price.