Hello there, pbuddy.
Zoho and QuickBooks Online (QBO) is a different application. If you'll subscribe to Zoho, that doesn't mean you do the same on QuickBooks. Since it's a different application, you're entitled to pay separate subscription fees.
If you subscribe to QBO, you have the option to transfer your transactions from Zoho.
Feel free to reach out to me, pbuddy if you have other clarification with QuickBooks Online.