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Xero vs Lendio: Which is a better fit?

Updated on February 7th, 2025
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Summary
Key features rated by users
Features selected based on 16,373 reviews from Billing and Invoicing users.
% Fit
High performer
Feature ratings
Invoice Creation
4.7
Client Management
4.6
Invoice Processing
4.6
Payment Processing
4.5
Online Invoicing
4.7
% Fit
Missing features
Not enough reviews
Feature ratings
Invoice Creation
1.0
Client Management
NA
Invoice Processing
NA
Payment Processing
1.0
Online Invoicing
1.0
User satisfaction
4.4
User reviews3,119
Ease of use
4.3
Functionality
4.3
Value for money
4.2
Customer support
4.0
4.5
User reviews214
Ease of use
4.6
Functionality
4.2
Value for money
4.6
Customer support
4.5
Price starts from
Monthly subscription
Free version
Free trial
Monthly subscription
Free version
Free trial
Best for

Xero is an accounting software that caters to small businesses across multiple sectors, such as agriculture, construction, education, healthcare, hospitality, and more.

Designed for freelancers, entrepreneurs and small businesses to manage expenses & cashflow, financial reports, billing and invoicing, quotations and more.

User reviews
pros & cons
1 / 4
View Reviews
1 / 4
View Reviews
Video reviews
video-02a459cb-ea7a-40f7-82fc-08dbcf6d3658
Nigel E
Managing Director
5.0

Nigel: My name is Nigel. I'm the Managing Director of my own company, D13 Solutions. We are a consultant company using Xero, which I'm rating five out of five. Xero was recommended to us by our accountants. They had options for products like Sage and some other products as well. They showed us two or three of those products, and we chose Xero from that list. We chose Xero because Xero was the most usable of the products. So the interface was very simple, but it also suited the way we work. So inability to do what we needed to do in the shortest possible time, in the easiest way. Xero gave us the best options out of all of the things we looked at. So we switched to Xero from our previous package. That was really straightforward. But for everything we use it for, which is invoicing, quotes, purchase orders, it's all really good. It's really straightforward and simple to use. We use it in multiple currencies as well, and it supports that very well indeed. But we've integrated things like the company credit cards, so everybody's credit card is integrated into the system, so it really works nice and simple. So things like my month end when I'm doing all my reconciliations, those take a matter of a couple of hours, not a couple of days. Xero has been a game changer for us. It's made my life more simple. It's kept my costs down. This means I haven't got to go and find someone external to my bookkeeping because it's all simple and easy to use within the app. I would recommend anybody to try Xero. It may not be for everyone, but it's certainly worth trying. And with a free trial available, why would you not?

How Capterra sources reviews
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John S
Owner
5.0

John S.: Hi, I'm John. I'm a marketing consultant and I rate Sunrise a five out of five. For more reviews like this one, click below. Prior to using Sunrise, I was using a PayPal and Stripe and many of these different platforms because a lot of my customers needed to pay with different types of marketplaces and I really needed something where I could invoice my clients have a simple option where they could go and simply just pay using any of these platforms. So, Sunrise, it's really allowed me to create invoices that I can get payments through my bank, through PayPal, as well as through Stripe. It works really well for that. So some of the reasons that I really like Sunrise are that I have the capacity to enter all my customer information, retain that information inside the platform, send out simple invoices based on specific services that I'm charging them for, and keep a record of what invoices have been paid, what's overdue and easily send emails right through the system to invoice all my clients and keep all that collectively in one piece of software. Getting started with Sunrise was very straightforward, very easy to do. I simply just set up and linked to all my existing accounts. I was able to enter all of my basic information about myself, my business and once I had all that done, I was immediately able to start going out and sending invoices, collecting payments and everything worked very smoothly. So if you've been considering picking up an invoicing software, something where you can start invoicing your clients and really having a clear picture as to what's going on in terms of charging and billing your clients, Sunrise is a really good option. Overall, I've noticed many, many vast improvements over the last couple of years that I've been a customer. They continuously are adding new features, making it easier. It's simple enough to get on the phone with them or get email support and ultimately I notice that they're just always looking to improve the system, make it easier and more efficient to use and I've had good success using that over the last year.

How Capterra sources reviews
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User interface
120109 video thumbnail}
1 Video
154197 video thumbnail}
1 Video
120109
3 screenshots
154197
2 screenshots
Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

Logo Img
--%
Logo Img
--%
Accounting Integration
207
Important
Activity Dashboard
388
Important

Xero

Top Features
36/50
  • Accounting Integration
  • Backup and Recovery
  • Bulk Send
  • Credit Note
  • Dynamic Pricing
  • Event Logs
  • File Encryption
  • File Sharing
  • Master Data Management
  • Multi-Language
  • Process/Workflow Automation
  • Projections
  • Purchasing & Receiving
  • Reminders
  • Activity Dashboard
  • Alerts/Notifications
  • API
  • Billing Portal
  • Client Management
  • Compliance Management
  • Contact Database
  • Contingency Billing
  • Credit Card Processing
  • Customizable Branding
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Document Management
  • Dunning Management
  • Email Management
  • Financial Management
  • Fraud Detection
  • Hourly Billing
  • Invoice Creation
  • Invoice History
  • Invoice Processing
  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Payment Processing
  • Project Billing
  • Purchase Order Management
  • Quotes/Estimates
  • Real-Time Data
  • Real-Time Reporting
  • Recurring/Subscription Billing
  • Reporting & Statistics
  • Tax Calculation
  • Third-Party Integrations
  • Time & Expense Tracking
See All features
Hide Billing and Invoicing Software Features -

Lendio

12/50
Show Billing and Invoicing Software Features +
Xero
Deployment
  • Cloud, SaaS, Web-Based
  • Desktop - Mac
  • Desktop - Windows
  • Desktop - Linux
  • Desktop - Chromebook
  • On-Premise - Windows
  • On-Premise - Linux
  • Mobile - Android
  • Mobile - iPhone
  • Mobile - iPad
Support
  • Email/Help Desk
  • FAQs/Forum
  • Knowledge Base
  • Phone Support
  • 24/7 (Live rep)
  • Chat
Training
  • In Person
  • Live Online
  • Webinars
  • Documentation
  • Videos
Lendio
Deployment
  • Cloud, SaaS, Web-Based
  • Desktop - Mac
  • Desktop - Windows
  • Desktop - Linux
  • Desktop - Chromebook
  • On-Premise - Windows
  • On-Premise - Linux
  • Mobile - Android
  • Mobile - iPhone
  • Mobile - iPad
Support
  • Email/Help Desk
  • FAQs/Forum
  • Knowledge Base
  • Phone Support
  • 24/7 (Live rep)
  • Chat
Training
  • In Person
  • Live Online
  • Webinars
  • Documentation
  • Videos
Xero
  • By Xero
  • Located in New Zealand
  • Founded in 2006
Lendio
  • By Lendio
  • Located in United States
  • Founded in 2011
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