{
  "checkedOn": "2026-10-26",
  "scope": "Four bounded official-documentation checks; not whole-catalogue verification or hands-on testing.",
  "records": {
    "invoice-ninja": {
      "name": "Invoice Ninja",
      "use": "Hosted invoicing with client records, recurring invoices and payment-gateway connections.",
      "cost": "Hosted Free: 5 clients and unlimited invoices. Ninja Pro: $14/month with monthly billing or $140/year with annual billing. The source does not explicitly identify the dollar currency.",
      "limit": "Free includes Invoice Ninja branding and is limited to 5 clients. Payment gateway fees and self-hosting costs are separate.",
      "source": "https://invoiceninja.com/pricing-plans/",
      "plans": [
        {
          "name": "Hosted Free",
          "display": "Free",
          "amount": 0,
          "currency": null,
          "billing": "free",
          "scope": "5 clients; Invoice Ninja branding; payment gateway fees are separate.",
          "limits": {
            "invoicesMonthly": "unlimited"
          },
          "source": "https://invoiceninja.com/pricing-plans/",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Unlimited invoices \u00b7 5 clients",
          "restriction": "Invoice Ninja branding; gateway fees separate."
        },
        {
          "name": "Ninja Pro \u00b7 monthly",
          "display": "$14/month \u00b7 monthly billing; dollar currency unconfirmed",
          "amount": 14,
          "currency": null,
          "billing": "monthly",
          "scope": "Unlimited clients and invoices. Removes Invoice Ninja branding. Gateway fees separate.",
          "limits": {
            "invoicesMonthly": "unlimited"
          },
          "source": "https://invoiceninja.com/pricing-plans/",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Unlimited clients and invoices",
          "restriction": "Dollar currency not explicitly identified; gateway fees separate."
        },
        {
          "name": "Ninja Pro \u00b7 annual",
          "display": "$140/year \u00b7 annual payment; dollar currency unconfirmed",
          "amount": 140,
          "currency": null,
          "billing": "annual",
          "scope": "Annual upfront payment. Unlimited clients and invoices. Gateway fees separate.",
          "limits": {
            "invoicesMonthly": "unlimited"
          },
          "source": "https://invoiceninja.com/pricing-plans/",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Unlimited clients and invoices",
          "restriction": "Annual payment upfront; dollar currency unconfirmed."
        }
      ],
      "region": "Hosted public pricing; region not specified",
      "excerpt": "5 Clients + Unlimited Invoicing"
    },
    "wave": {
      "name": "Wave",
      "use": "Accounting and invoicing for businesses in the United States and Canada.",
      "cost": "Starter: free invoice creation. Pro: USD 19/month or CAD 25/month with monthly billing; USD 190/year or CAD 250/year with annual billing. Payment fees are separate.",
      "limit": "US and Canadian businesses only. Built-in sending and automation have access conditions; free invoice creation is not the same as free payment processing.",
      "source": "https://www.waveapps.com/pricing",
      "plans": [
        {
          "name": "Starter",
          "display": "Free invoice creation",
          "amount": 0,
          "currency": null,
          "billing": "free",
          "scope": "US/Canada businesses only. Payment processing fees separate; check sending and reminder access.",
          "limits": {
            "invoicesMonthly": "unlimited"
          },
          "source": "https://www.waveapps.com/pricing",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Unlimited invoice creation",
          "restriction": "US/Canada only; sending and payment access need checking."
        },
        {
          "name": "Pro \u00b7 USD \u00b7 monthly",
          "display": "USD 19/month \u00b7 monthly billing",
          "amount": 19,
          "currency": "USD",
          "billing": "monthly",
          "scope": "US/Canada businesses only. Payment processing fees separate.",
          "limits": {
            "invoicesMonthly": "unlimited"
          },
          "source": "https://www.waveapps.com/pricing",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Unlimited invoices \u00b7 automated reminders",
          "restriction": "US/Canada businesses only; payment fees separate."
        },
        {
          "name": "Pro \u00b7 CAD \u00b7 monthly",
          "display": "CAD 25/month \u00b7 monthly billing",
          "amount": 25,
          "currency": "CAD",
          "billing": "monthly",
          "scope": "US/Canada businesses only. Payment processing fees separate.",
          "limits": {
            "invoicesMonthly": "unlimited"
          },
          "source": "https://www.waveapps.com/pricing",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Unlimited invoices \u00b7 automated reminders",
          "restriction": "US/Canada businesses only; payment fees separate."
        },
        {
          "name": "Pro \u00b7 USD \u00b7 annual",
          "display": "USD 190/year \u00b7 annual payment",
          "amount": 190,
          "currency": "USD",
          "billing": "annual",
          "scope": "US/Canada businesses only. Payment processing fees separate.",
          "limits": {
            "invoicesMonthly": "unlimited"
          },
          "source": "https://www.waveapps.com/pricing",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Unlimited invoices \u00b7 automated reminders",
          "restriction": "US/Canada businesses only; payment fees separate."
        },
        {
          "name": "Pro \u00b7 CAD \u00b7 annual",
          "display": "CAD 250/year \u00b7 annual payment",
          "amount": 250,
          "currency": "CAD",
          "billing": "annual",
          "scope": "US/Canada businesses only. Payment processing fees separate.",
          "limits": {
            "invoicesMonthly": "unlimited"
          },
          "source": "https://www.waveapps.com/pricing",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Unlimited invoices \u00b7 automated reminders",
          "restriction": "US/Canada businesses only; payment fees separate."
        }
      ],
      "region": "United States and Canada",
      "excerpt": "Create unlimited estimates, invoices, bills, and bookkeeping records"
    },
    "zoho-books": {
      "name": "Zoho Books",
      "use": "UK accounting with invoices, quotes, expenses and bank reconciliation.",
      "cost": "UK Free: \u00a30, 1 user plus 1 accountant. Standard: GBP 12/month with monthly billing, or GBP 10/month equivalent billed annually (GBP 120/year, calculated). Excludes local taxes.",
      "limit": "UK edition. Standard includes 3 users. Invoice volume caps were not established in this check; do not assume unlimited invoices.",
      "source": "https://www.zoho.com/uk/books/pricing/",
      "plans": [
        {
          "name": "UK Free",
          "display": "Free",
          "amount": 0,
          "currency": null,
          "billing": "free",
          "scope": "1 user plus 1 accountant. UK edition. Invoice volume allowance not established.",
          "limits": {
            "seats": 1
          },
          "source": "https://www.zoho.com/uk/books/pricing/",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "1 user + 1 accountant",
          "restriction": "Invoice volume cap not established; UK edition."
        },
        {
          "name": "UK Standard \u00b7 monthly",
          "display": "GBP 12/month \u00b7 monthly billing",
          "amount": 12,
          "currency": "GBP",
          "billing": "monthly",
          "scope": "3 users; UK edition; excludes local taxes. Invoice cap unverified.",
          "limits": {
            "seats": 3
          },
          "source": "https://www.zoho.com/uk/books/pricing/",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "3 users",
          "restriction": "Excludes tax; invoice volume cap not established."
        },
        {
          "name": "UK Standard \u00b7 annual",
          "display": "GBP 120/year \u00b7 annual payment (12 \u00d7 GBP 10, calculated)",
          "amount": 120,
          "currency": "GBP",
          "billing": "annual",
          "scope": "GBP 10/month equivalent with annual billing. 3 users; UK edition; excludes local taxes.",
          "limits": {
            "seats": 3
          },
          "source": "https://www.zoho.com/uk/books/pricing/",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "3 users",
          "restriction": "Annual payment upfront; excludes tax; invoice cap unverified."
        }
      ],
      "region": "United Kingdom, GBP, taxes excluded",
      "excerpt": "1 User + 1 Accountant"
    },
    "remove-bg": {
      "name": "Remove.bg",
      "use": "Remove image backgrounds using the website, desktop app or API.",
      "cost": "Website previews up to 0.25 megapixels are free for personal use. Desktop/API: 50 free previews per month. Higher-resolution and commercial output require paid access; current paid amounts are unverified.",
      "limit": "Free output is personal-use and low-resolution. A product-photo workflow needs commercial-use terms and a paid quote checked.",
      "source": "https://www.remove.bg/help/a/is-remove-bg-free-",
      "plans": [
        {
          "name": "Website preview",
          "display": "Free \u00b7 personal-use preview",
          "amount": 0,
          "currency": null,
          "billing": "free",
          "scope": "Website previews up to 0.25 megapixels, personal use only.",
          "limits": {},
          "source": "https://www.remove.bg/help/a/is-remove-bg-free-",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Preview up to 0.25 megapixels",
          "restriction": "Personal use only; commercial output requires paid access.",
          "commercialUse": false
        },
        {
          "name": "Desktop/API preview",
          "display": "Free \u00b7 50 previews/month",
          "amount": 0,
          "currency": null,
          "billing": "free",
          "scope": "50 previews/month via desktop app or API; low-resolution personal-use output.",
          "limits": {},
          "source": "https://www.remove.bg/help/a/is-remove-bg-free-",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "50 previews/month \u00b7 up to 0.25 MP",
          "restriction": "Personal use only; not full-resolution output.",
          "commercialUse": false
        },
        {
          "name": "Commercial / high-resolution",
          "display": "Paid amount not verified",
          "amount": null,
          "currency": null,
          "billing": null,
          "scope": "Subscriptions and pay-as-you-go packages exist. Current amount, billing and allowance not verified.",
          "limits": {},
          "source": "https://www.remove.bg/help/a/is-remove-bg-free-",
          "checkedOn": "2026-10-26",
          "perSeat": false,
          "allowance": "Check package allowance",
          "restriction": "Current paid quote needs checking.",
          "commercialUse": true
        }
      ],
      "region": "Public help page; no regional paid quote",
      "excerpt": "up to 0.25 megapixels"
    }
  },
  "supplementarySources": [
    {
      "url": "https://support.waveapps.com/hc/en-us/articles/32449161224852-Create-a-Wave-account",
      "claim": "New accounts are for US and Canadian businesses; US territories unsupported.",
      "excerpt": "Wave is available for businesses located in the United States and Canada."
    },
    {
      "url": "https://support.waveapps.com/hc/en-us/articles/27277914806804-Changes-for-Wave-users-outside-the-United-States-and-Canada",
      "claim": "Built-in invoice sending has access conditions; PDF/link sharing differs from built-in sending.",
      "excerpt": "You can still send invoices, estimates, and other documents through a PDF or link."
    }
  ]
}
