We have been using Zoho Books for multiple clients and there is one challenge that everyone faces. We cannot use "Accounts Payable" and "Accounts Receivable" while passing a JV.

There can be multiple use cases when effect is required to be given through a JV in Accounts Payable and Accounts Receivable account. I don't know the reason why the same is restricted in zoho books. Quickbooks allows you to do the same and it works well.

Apart from above there are some small suggestions-
1) One should be able to create a ledger while passing a JV. This is possible in both QB + Tally
2) Users should be able to pass Salary entries through JV. As of now if a user is not using Zoho payroll he has to create employees as a vendor and the generate a bill for salary entries
3) There is a restriction in taking bulk actions. For Eg. - Making certain accounts "Active" or "Inactive". Only 25 items can be done at a time which is fine. But the prompt that there is such a restriction comes at the last stage. For eg., today I tick marked some 63 ledgers to be moved to Inactive when I clicked on Save the prompt came up that I can do only 25. User should receive this message on 26th tick.