Comparison Guide

HOA Cloud vs Enumerate (formerly TOPS Software)

Looking for an Enumerate alternative? HOA Cloud offers reliable software, lower payment fees, and updates that don't break your workflow.

Enumerate has a 1.9/5 rating on Trustpilot

Common complaints include crashes, high fees, and updates that break features

Why HOAs Are Leaving Enumerate

Frequent Crashes

Users report the software crashes frequently, disrupting daily operations and causing frustration for boards and managers.

$2+ Per Payment Fee

High payment processing fees of $2+ per transaction add up quickly, especially for communities with many units.

Updates Break Features

Software updates have been reported to break previously working features, forcing users to adapt to constant changes.

1.9/5 Trustpilot

An extremely low Trustpilot rating reflects widespread user dissatisfaction with the platform's reliability and support.

Feature-by-Feature Comparison

Feature
HOA Cloud
Enumerate
Trustpilot Rating
New platform (2026)
1.9/5 stars
Software Stability
Reliable, tested releases
Frequent crashes reported
Payment Fees
Standard processing fees
$2+ per payment reported
Update Quality
Updates improve features
Updates break features
AI Features
Gemini 3, Claude 4.5, GPT-5
None
Florida Compliance
Automated Chapter 718/720
Basic compliance tools
Vendor Portal
No-login portal with photos
VendorAlly (invoice & insurance mgmt)
Number of Portals
5 dedicated portals
4+ products (Central, Engage, Portals, VendorAlly)
Number of Features
100+ features
70+ features
Market Experience
Growing
Established (as TOPS Software)
Multi-Language
English + Spanish
Multiple languages

Where HOA Cloud Wins

Built for reliability

A modern, actively maintained platform with responsive, Florida-focused support — built to run association operations dependably.

Stable, Reliable Software

Built with modern technology and rigorous testing. Our software doesn't crash. Updates are thoroughly tested before release.

Fair Payment Processing

Standard Stripe processing fees - no $2+ per payment surcharges. Transparent pricing that doesn't eat into your budget.

AI-Native Platform

Gemini 3, Claude 4.5, and GPT-5 power document analysis, meeting transcription, smart resident responses, and automated compliance tracking.

Florida Compliance Automation

Purpose-built for Florida statutes. Automatic tracking and alerts for Chapter 718 & 720 requirements. Never miss a deadline.

Updates That Actually Improve

Our updates add features and fix bugs - they don't break existing functionality. We test thoroughly before releasing to production.

Where Enumerate Might Be Better

We believe in honest comparisons. Here's where Enumerate has advantages:

Longer Market Presence

Enumerate (formerly TOPS Software) has been in the market longer. If you value vendor history over current performance, they have more years in business.

Multi-Language Support

Enumerate offers more language options. If you need languages beyond English and Spanish, they may have more options available.

Pricing Comparison

HOA Cloud

$149-$599
/month depending on community size
  • Standard Stripe processing fees
  • 14-day free trial
  • All AI features included
  • Florida compliance automation
  • Florida-native compliance engine
View Full Pricing

Enumerate

Contact for Quote
Typically $200-$600+/month
  • $2+ per payment fees reported
  • Demo only, no free trial
  • No native AI features
  • Basic compliance tools
  • 1.9/5 Trustpilot rating

Who Should Choose Each Platform?

Choose HOA Cloud if you:

  • Want reliable, stable software
  • Don't want to pay $2+ per payment
  • Are in Florida and need compliance automation
  • Want updates that improve, not break features
  • Want AI-powered features

Choose Enumerate if you:

  • Value vendor history over current performance
  • Need languages beyond English and Spanish
  • Are willing to tolerate stability issues
  • Don't mind paying extra per payment

Frequently Asked Questions

Can I migrate from Enumerate to HOA Cloud?

Yes! We offer free data migration assistance. Our team will help export your data from Enumerate and import it into HOA Cloud. Many customers have made this switch successfully.

Is Enumerate's 1.9/5 Trustpilot rating accurate?

We encourage you to read the reviews yourself. Common themes include software crashes, high payment fees, poor support response times, and updates that break previously working features.

How much can I save on payment fees?

If you're paying $2+ per payment with Enumerate and have 100 units paying monthly, that's over $2,400/year in extra fees. HOA Cloud uses standard Stripe fees (typically 2.9% + $0.30 for cards, or low ACH fees) with no surcharge.

What makes HOA Cloud's software more reliable?

We're built on modern infrastructure (Next.js, Supabase, Stripe) with proper testing and staging environments. Updates are tested thoroughly before release. We prioritize stability over rushing features to market.

Does HOA Cloud offer multi-language support?

Yes, we support English and Spanish, which covers the vast majority of Florida HOAs. If you need additional languages, contact us - we can discuss your specific needs.

Ready to Switch from Enumerate?

Move to a Florida-native platform built for Chapter 718 and 720 compliance. Free migration assistance included.

14-day free trial. No credit card required. Free migration support.