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OCTIS vs Financio vs 3E Accounting, side by side

Financio is Malaysian accounting software from ABSS, with a separate payroll product that follows EPF, EIS, PERKESO and HRDC requirements. Accounting plans start at RM50 a month, with LHDN e-invoicing built in. You or your bookkeeper operate it. It does not incorporate a company, act as secretary or file tax. OCTIS runs your Sdn Bhd: AI prepares the books, licensed professionals check them, and the secretary, tax submission and audit coordination sit in the same system with a built-in CRM, automation and AI agents. 3E Accounting is shown as the traditional firm route.

Financio3E Accounting
Published pricePriced from your bill: 10–30% below your current bill or their quoteAccounting Essentials RM50 a month or RM550 a year; Premier RM85 or RM935. Payroll Essentials RM75 or RM825; Premier RM135 or RM1,485Accounting not published; incorporation packages from RM1,700
Who does the bookkeepingOCTIS prepares it with AI, licensed professionals checkYou or your bookkeeperDone by 3E's team; price not published
Bank reconciliationIncluded, with softwareYes, on both plans; you run itDepends on the software you resell and pay for
LHDN e-InvoiceHandled by OCTIS accountantsBuilt in; 25 e-invoices on Essentials, 5,000 on PremierNot published
PayrollHandled by OCTIS accountantsOwn payroll product (EPF, EIS, PERKESO, HRDC); up to 30 employees on Essentials, 200 on PremierPayroll service offered; price not published
Company secretary and SSM annual returnNamed secretary and annual return includedNot listed on its pricing pageRM1,000 a year, included in the first year of a package
Tax submission (Form C, CP204)IncludedNot listed on its pricing pageOffered; price not published
AuditSchedules and auditor liaison; the audit is done by an independent auditorNot listed on its pricing pageThrough licensed partner firms; dormant minimum RM800
CRM and sales pipelineBuilt inNot listed on its pricing pageNo own CRM; resells Microsoft Dynamics CRM
Workflow automationBuilt inNot listed on its pricing pageNot offered
AI agents that do the work (Otty)Built inNot listed on its pricing pageNot offered
One workspace for compliance, documents and teamBuilt inNot listed on its pricing pageNot offered
Foreign exchangeBuilt in, via licensed partnersMulti-currency bookkeeping on Premier only; no FXNot offered
Corporate cardBuilt in, via licensed partnersNot listed on its pricing pageNot offered
International business accountBuilt in, via licensed partnersNot listed on its pricing pageBank-opening guide and a free UOB referral; no own account
Collect and send paymentsBuilt in, via licensed partnersNot listed on its pricing pageNot offered
Your total cost10–30% below your current bill or their quoteAccounting + payroll: RM550 + RM825 = RM1,375 a year (Essentials); RM935 + RM1,485 = RM2,420 (Premier); secretary, tax and audit not includedFrom RM1,700 for an incorporation package; accounting, tax and audit quoted separately
See OCTIS pricing

Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.

Otty, the OCTIS octopus

Otty's short answer

Financio is a solid choice if you or your bookkeeper will run the ledger and want payroll that follows Malaysian statutory requirements: accounting RM50 to RM85 a month, payroll RM75 to RM135. OCTIS is for owners who want the books, the secretary, tax submission and audit coordination handled, plus CRM, automation and AI agents, at 10–30% below your current bill or their quote.

Why teams switch

The books are done for you, not left as a task on your desk.
Company secretary and tax submission are in the same system; Financio's pages list neither.
Priced in the way you pay today: 10–30% below your current bill or their quote. Lowest Price Guarantee and 30-day money-back guarantee, terms apply.

FAQ

Frequently asked questions

Is OCTIS cheaper than Financio?

Yes. Send Financio's quote or your current bill on WhatsApp, and OCTIS prices the same work 10–30% lower than it. Every price comes with the Lowest Price Guarantee and a 30-day money-back guarantee, terms apply, and licensed professionals check every filing. There is no list price to compare against: your quote or bill is the starting point, so the saving is measured against what you would actually pay.

Does Financio file my SSM annual return or tax return?

Financio's pages describe accounting and payroll software, with SST return submission from the software. They do not mention incorporation, company secretary, income tax filing or audit services. OCTIS includes the secretary and tax submission.

How much does Financio cost in Malaysia?

Financio's Malaysia pricing page lists Accounting Essentials at RM50 a month or RM550 a year and Premier at RM85 or RM935; Payroll Essentials at RM75 or RM825 and Premier at RM135 or RM1,485. The page does not say whether SST is included, and offers a 30-day free trial. Check the page for current terms.

Compare more

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Send us your current bill

We price OCTIS from it, 10–30% below what you pay now or their quote.

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Otty, the OCTIS octopus, waving

OCTIS vs Financio — summary

Financio is a solid choice if you or your bookkeeper will run the ledger and want payroll that follows Malaysian statutory requirements: accounting RM50 to RM85 a month, payroll RM75 to RM135. OCTIS is for owners who want the books, the secretary, tax submission and audit coordination handled, plus CRM, automation and AI agents, at 10–30% below your current bill or their quote.

  • The books are done for you, not left as a task on your desk.
  • Company secretary and tax submission are in the same system; Financio's pages list neither.
  • Priced in the way you pay today: 10–30% below your current bill or their quote. Lowest Price Guarantee and 30-day money-back guarantee, terms apply.

Is OCTIS cheaper than Financio?

Yes. Send Financio's quote or your current bill on WhatsApp, and OCTIS prices the same work 10–30% lower than it. Every price comes with the Lowest Price Guarantee and a 30-day money-back guarantee, terms apply, and licensed professionals check every filing. There is no list price to compare against: your quote or bill is the starting point, so the saving is measured against what you would actually pay.

Does Financio file my SSM annual return or tax return?

Financio's pages describe accounting and payroll software, with SST return submission from the software. They do not mention incorporation, company secretary, income tax filing or audit services. OCTIS includes the secretary and tax submission.

How much does Financio cost in Malaysia?

Financio's Malaysia pricing page lists Accounting Essentials at RM50 a month or RM550 a year and Premier at RM85 or RM935; Payroll Essentials at RM75 or RM825 and Premier at RM135 or RM1,485. The page does not say whether SST is included, and offers a 30-day free trial. Check the page for current terms.

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    OCTIS vs Financio in Malaysia: accounting software or done-for-you accounting? | OCTIS