Do you send out recurring invoices?  We do, and the biggest challenge is that clients want to know which month our invoice is for.  With Zoho Books you can automatically enter next week, month, year in the description or a date range, here's how

To add or subtract days,months or years, simply use the “+” and “-” keys. Eg: %(d+15)%,%(m+3)%,%(y)% results in 15 days and 3 months being added.

Note : The placeholders functions are very context specific, so please take care with the way they’re used.

Example : To add one month, use ‘%m+1%’ rather than ‘%d+30%’ since the latter would see your date jump from March 1’st to March 31’st (an addition of 30 days) and not April 1’st like required.

You can see the full kb on this issue here

https://www.zoho.com/us/books/kb/invoices/add-date-recurring-invoice.html

When a credit card transaction is received Zoho Books puts the payment  in another "bank account"  

1. Go to banking, go down to your credit card account.  the account will be called "merchant account name" clearing.  For example if you use We Pay as your merchant account, the bank account will be called WePay Clearing
2. The physical funds are already in your regular bank account but you also need to move the funds from the credit card clearing account to your bank account in Zoho Books.  To do this select your transaction you want to move to your account
3. Then at the top of the page select Add Transaction
4. In the drop down menu under expense, select transfer to another account
5. On the right side of the screen you will select the bank account the funds go into and other details
6. Now when you reconcile your account the deposit is available to clear in your regular bank account