# Compare Xero vs Teampay 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Xero and Teampay based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/120109-176776/Xero-vs-TeamPay --- # Xero vs Teampay Features and Cost Comparison Last updated June 15th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: XeroTeampay2/4 selected [Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) [Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.6 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) [## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) Starting Price $25.00/month Value-for-Money 4.2 Functionality 4.3 Ease of Use 4.4 Customer Service 4 Reviews Sentiment Based on [3,307 reviews](#user-reviews) Positive 2,906 Neutral 239 Negative 162 [## Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.6 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) Starting Price Contact vendor Value-for-Money 4.5 Functionality 4.5 Ease of Use 4.6 Customer Service 4.6 Reviews Sentiment MW Based on [257 reviews](#user-reviews) Positive 243 Neutral 8 Negative 6 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 15,533 reviews from billing and invoicing software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 84%Fit High performer Feature ratings Invoice Creation 4.6 Invoice Processing 4.6 Payment Processing 4.5 Credit Card Processing 5.0 Quotes/Estimates 4.5 \--%Fit Missing features Not enough reviews Feature ratings Invoice Creation \-- Invoice Processing 4.3 Payment Processing NA Credit Card Processing NA Quotes/Estimates NA User satisfaction User satisfaction 4.4 User reviews[3,307](https://www.capterra.com/p/120109/Xero/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.2 Customer support 4.0 User satisfaction 4.6 User reviews[257](https://www.capterra.com/p/176776/TeamPay/reviews/) Ease of use 4.6 Functionality 4.5 Value for money 4.5 Customer support 4.6 Price starts from Price starts from $25Flat Rate, Per Month - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for Xero is an accounting software that caters to small businesses across multiple sectors, such as agriculture, construction, education, healthcare, hospitality, and more. Best for For companies with looking to streamline their spend with an all-in-one purchasing solution. Teams should be seeking to streamline spend practices and consolidate AP and expense tools. ## User reviews Pros & cons RR Rebecca R. Production manager > "I also appreciate the cloud-based access, which allows me to manage accounting from anywhere, along with the seamless bank integrations that help save time and keep records..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7155119) DT Danielle T. AP, AR, Payroll > "When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7107297) NC Nikki C. permit technician > "What I like most about Xero is its clean, easy-to-use interface and automation features, especially bank reconciliation and invoicing, which save time and make managing finances..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) BN Bill N. Senior Financial Accountant > "Reporting and workflows aren’t very flexible like some other larger ERP systems, which can be frustrating especially as our company grew in size and required more advanced and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) NC Nikki C. permit technician > "It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) HL Hikmet L. Medical Assistance Specialist > "Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7100283) VR Verified Reviewer Treasury Accountant > "The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) AB Andrew B. Owner > "There was no phone support option available, and I couldn’t even properly access my own account to manage the cancellation until I enabled two-factor authentication." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7154928) NK Navpreet K. Manager and CPA > "I really like its clean and easy-to-use interface, which makes invoicing, expense tracking, payroll, and bank reconciliation simple to manage." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7154223) VR Verified Reviewer Treasury Accountant > "I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) JL John L. CEO > "Xero has become a standard tool I use to understand my business performance since incorporation and a tool I believe I will continue to use at least until my business scales to..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) DE Daryl E. Consultant > "Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) Craig H. General Manager > "I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038677) DE Daryl E. Consultant > "This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) AL Amber L. Discharge Planner > "Xero has a mobile application that allows me process patient payments during discharge in my organization as well as creating invoices automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7002100) Bryce M. Founder > "I am upset by having to look for an alternative solution in the middle of my work month after stumbling on this and seeing no effort to rectify from xero's side or justification..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7091869) JL John L. CEO > "It takes times to understand and know if an accounting service provider is giving you what you need and the onboarding process did exactly this for me and my business. Once I had..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MH Martin H. Payroll Manager > "Sometimes I need to wait for a while before my authentication code comes through, delaying my login." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7102201) AF Amanda F. Licensed Real Estate Broker > "I mainly use Xero since it has an iOS mobile application that allows me to streamline online accounting processes from anywhere." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) AF Amanda F. Licensed Real Estate Broker > "However, some features allocated by Xero aren’t robust enough which forces me to integrate with external Apps, for instance inventory management tools." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) BN Bill N. Senior Financial Accountant > "Its wide range of integrations also allowed us to build a connected, scalable finance system with minimal effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) LC Laura C. Administration Manager > "There have been some occasional reliability issues, with updates sometimes taking a day or two after the incident to be communicated by their support team." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7160982) JP John P. Transport Broker > "The dashboard is exceptionally clean, and it provides me with a brief overview of unpaid invoices and cash flow." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) KP Kelly P. Manager > "Cannot connect to CAF Bank which makes being a charity very difficult when doing the banking element" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7147951) VR Verified Reviewer Treasury Accountant > "I’ve found the bank reconciliation feature especially efficient, it automatically matches transactions and significantly reduces manual effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) RD Rudo D. Accountant > "They increase prices so often and they sometimes do not offer discounts when you have multiple companies" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7174279) JL John L. CEO > "At the moment this is just me as a solo founder, I would love if Xero could also facilitate this transition for scaling businesses with a scale up or expansion onboarding aspect..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MK Michal K. IT engineer > "The only disadvantage so far is that sometimes it is hard to find some reports, for example remittance advise" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7080651) DM Dasha M. Consultant > "We are a small nonprofit without a formal accountant and were able to set up our business and run reports in ways that are simple but useful." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7134499) CG Cecilia G. Administration > "Xero’s subscription tiers have increased in cost, which can become expensive for users." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7157251) JM Jesse M. Senior Accountant > "The bank reconciliation feature works well enough for our needs and saves a lot of time compared to our old system." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7125220) EC Eric C. Engineering Manager > "Missing two features that our previous system could support - detailed export to .csv, and also we started to run into issues past 100 employees." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6748194) VR Verified Reviewer Treasury Accountant > "Overall, it strikes a good balance between usability and functionality, especially for small to mid-sized businesses looking for a reliable, cloud-based accounting solution." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) DE Daryl E. Consultant > "I dread having to make changes to quotes and invoices because bugs in the UI are so common." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) EB Emma B. Financial Controller > "It has many different functions and capabilities which speed up reconciling and customisable reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084871) RG Rishi G. Software Engineer > "I do dislike how often I get logged out of Xero once I close the tab." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) NS Natalie S. Senior immigration Advisor > "Xero offers 30 days for trial where you're able to explore all features of this tool and you are able to learn how it's feature can be used for accounting." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7060176) JP John P. Transport Broker > "Bank feed links are sometimes broken automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) RG Rishi G. Software Engineer > "The calendar helps me track who owes me money and I am just glad I can finally see the dates." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) CB Chris B. Owner > "Not sure which demographic will be lazy enough to not do books the old way, but also not tech savvy enough to make a small stack solution, which would be more seamless than this." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) Samuel L. Mortgage Loan Officer > "It has helped us avoid discrepancies in financial reports and tax returns by correctly recording and categorizing all our transactions including repayments and interest." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) Adrien J. CEO > "Bank integration does not work as advertised." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7109271) MW Matt W. Founder and Director > "If fully utilised Xero is a very powerful business tool that can encapsulate everything financial - from integrated stock systems and product costing, to sales tracking and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6494302) MM Melanie M. Treasurer > "The UI is a tiny bit clunky--most notably the "check writing/entering" functionality comes to mind. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6874464) EH Erin H. Google Ads Specialist > "I like how I can reconcile transactions in Xero from my bank feeds and set up recurring bills -- so I do not have to stress / waste time searching through everything and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6778974) CW Christine W. Accounts > "It is not easy to transfer data from one entity to another entity, even basic information has to enter these manually." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871687) Rodrigo T. Director of Cyber Security > "Xero is an excellent tool that has allowed me to manage my department's expenses in a transparent and orderly way in simulation projects, prevention exercises and detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) RG Rishi G. Software Engineer > "Then I have to sit through another annoying OTP code to get back into my account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) TVW Tim Van W. Senior Project Supervisor > "Xero has great budgeting and expenses control features that assist us in crafting budgets for our projects and monitoring the expenditure to ensure it remains within the bounds..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6540687) NH Nina H. Hr Manager > "It isn't easy to calculate holiday in the same way as HR software." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7111292) GN Grace N. Volunteer > "Xero automates over 78% of manual repetitive accounting tasks such as AP,AR and GL which saves time and improve productivity leading to high performance and ROI." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6580047) RT Rachel T. Accounts Administrator > "Lately there have been some software issues which slowed things down, but these happen rarely. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7152161) Rodrigo T. Director of Cyber Security > "It allows me to manage my department's accounting in real time, giving me a clear and up-to-date visualization of expenses." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) JB John B. Treasurer > "For example, Xero can not suggest an annual budget based on prior year spending." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6857537) DS Dilak S. Senior Experience Designer > "Xero simplify accounting processes by automating workflow such as paying vendors, billing, invoicing and payments matching." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6505945) FS Faizan S. Payroll Manager > "It can be somewhat stagnant at times in terms of the lack of colour and user interface." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881268) JP John P. Transport Broker > "All loads of the general Tracking margins may be a pain, and this tool makes the accounting process easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) DE Daryl E. Consultant > "Advertising plastered on the UI making the book keeper's job harder than it could be." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) CB Chris B. Owner > "The color of the logo is pleasing, the font on the website is very readable, design schemes show that this company paid visual design artist." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) LR Lisa R. Office manager > "The reason I originally did not use Xero was because our bank does not connect with Xero. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7028182) Samuel L. Mortgage Loan Officer > "Xero provides a sleek and simple interface that has enabled us to set up our loans and mortgages as either bank accounts or non current liability account, allowing for detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) Richey J. General Manager > "Some aspects of payroll aren't equipped for specialist HR requirements." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881639) MG Mike G. Project Manager > "You have the ability to create a quote, add your own notes and narrative, save templates, and convert quotes into invoices, all going directly to the customer and requesting them..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6559041) Debbie M. Owner > "It does not offer good value for money compared with competitor products, and customer support is not available by telephone." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7072510) CS Chloe S. Bookkeeper > "Xero is good for bank account reconciliation when it syncs with your account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7160977) AB Abhishek B. Executive- Sales and Procurement > "Sometimes there are delays with customer service support which slightly hampers the experience of smooth workflow in case of techncial issues." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6452605) Samuel L. Mortgage Loan Officer > "It provided us with realtime updates of our financial aspects which help inform our clients and accurately process all their transactions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) TE Timothy E. Owner > "They say that they can convert your old Quickbooks file to xero but after starting the process they turn around and say they couldn't do it." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6433289) JL John L. CEO > "Xero onboarding and low cost entry point for start-ups and first time users give the perfect opportunity to validate the value of this platform." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) RH Russ H. Director > "The reports seem a little bit more difficult to work out if you do not know the correct accountancy term but you can normally work it out without too much hassle." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6818770) PM Preeti M. AVP > "There are so many search options and shortcut methods like cash coding and uploading bulk journals and credit notes in CSV are available, which make the life of accountant very..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6460055) WJ Will J. Director > "Good initially, but I had a lot of issues with square integration and the cost got too high in the end." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871639) TS Tom S. Director > "Being able to manage payroll, invoices, banking feeds and tax from one platform is nice." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6856926) SF Stephanie F. Owner > "Not able to talk to a support representative live; having to submit a case means a delay in resolving issues" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6820368) LA Luis A. Process Manager > "It’s a well-thought-out platform that simplifies complex financial tasks and offers a lot of flexibility through its integrations and customization options." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6602914) CC Christine C. Finance > "For report updates I find with updates they become more complex and busy with no way to edit to strip out the unwanted additions. If you have multiple companies/organizations and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___4904840) Rodrigo T. Director of Cyber Security > "It helps me a lot in generating reports with balance sheets and cash flow to reliably assess profitability and make better decisions in the future." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) RV Robert V. Bookkeeper and Owner > "Frequently, you have to tell them to actually read your message carefully so that they realize you have an unexpected problem and don't need a useless "support article". " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6661641) JC Jasmine C. Accountant > "The bank feeds, journals, AP and AR function are all very straightforward and the layout is nice to use." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7136437) VR Verified Reviewer Editor > "Xero does not offer a dedicated phone support line." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038704) [View Reviews](https://www.capterra.com/p/120109/Xero/reviews/) MW Michael W. Professional Mentor > "However, the desktop teampay site on the phone is surprisingly good since I see all my transactions, have the receipt icon..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843401) TW Taylor W. Enterprise Account Executive > "Like I previously said, this is a nanny software that I guess is good at 'protecting' the company. But if you can't trust..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7013579) SH Sean H. Director of Enterprise > "From using the temporary credit cards that my team has to setup sometimes to getting my expenses automatically drafted for..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6841952) SW Shay W. Senior Program Manager > "If I request a certain dollar amount, but then realize I need more than that, I have to cancel my request and submit a new..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6630914) SL Stephanie L. Compliance Specialist > "In the beginning it took a while for the reimbursement to come through, however since my expense was the same every month I..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7016802) AK Abigail K. Assistant Controller > "Currently, there is no way to filter or search the budget page for a specific budget. " [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7007510) TH Tomas H. Senior Network Engineer > "As a user that only sends the requests and have no responsibility for reviews and approval I like relative simplicity of the..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6631646) KW Karla W. Teacher > "One downside I’ve experienced is how often the Amazon connection is lost, which can cause issues with transactions and..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6767073) AP Amanda P. Screening associate > "It has all the information i need related to taxes and pay, and is very easily accessible if needing to update any pay or..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6766057) AK Abigail K. Assistant Controller > "All the other pages are searchable, but for some reason, the budget page isn't. " [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7007510) LC Luca C. Backend Developer > "Team pay enables our team to make purchases that would otherwise be more difficult and overall team pay increases our..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6623314) SA Sara A. Nonprofit > "I wish incomplete/in-progress requests could be saved somewhere instead of having to start over when I've been away from the..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6630894) KR Katie R. Stylist > "Teampay has improved my daily life tenfold by reducing my finacial stress and government tax paper trail." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7016890) SA Susan A. Assistant Director of Auxiliary and Summer Programs > "Internally, I think we have too many categories to choose from when submitting expenses." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7013537) BA Bodhi A. Regional Virtual Medical Director > "I also like that it allows the team member to pay for something using a company card instead of having to put it on their..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6766257) ME Maor E. Senior Threat Intel Investigator > "Second, when it comes to refunds, it takes up to two weeks for the amount to be credited back to the card." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6610374) CB Cheryl B. Clinical Nurse Liasion > "It allows me to see each step which provides confidence that pending request are being managed and processed timely." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6621420) JM Joseph M. Corporate Communications > "Teams that are new to proactive spend management may face a learning curve, and smaller businesses might find the pricing..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6839372) ME Maor E. Senior Threat Intel Investigator > "Additionally, all the necessary details, such as my address and phone number, are displayed on the virtual card, making it..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6610374) KW Katie W. Operations team Lead > "It was hard to understand at first and sometimes having to request an up on my limit when I'm waiting in line somewhere was..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6846330) AA Amanda A. Inventory Control > "It is great that it is accepted every where, I can use it for businesses purchases and my business travel. " [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7012226) SG Siddhartha G. Staff engineer > "It was sometimes not clear why my transactions were getting denied (lack of funds or cancelation of card)" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6631620) CR Carlos R. IT Manager > "fast process to get virtual cards, integrates with our accounting software, easy to get real-time stats on spending" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6621651) VR Verified Reviewer Support Analyst > "Sometimes, the integration with accounting systems can be a bit slow or require manual adjustments." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843586) AA Alastair A. GTM Operations Manager > "SSO integration is also welcome & generally it's a great tool for keeping a record of payments and requesting virtual cards." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843187) GT George T. Enterprise Customer Success Manager > "It does not provide notification to the submitters when payments are made." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6621412) LM Laura M. Teacher > "As a teacher, it is a smooth process to order supplies for my class without being out of pocket and waiting for..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6774738) MW Michael W. Professional Mentor > "I do appreciate missing receipt notifications, but it keeps flooding me with notifications." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843401) EM Edrico M. Senior Designer > "Seeing budgets and transactions in real time is really helpful too." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7011869) AG Alex G. Operations Manager > "They have cut the amount of money they gave us to use team pay cards and no we don't use them any more." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6766268) JL James L. Staff Product Manager > "Makes it very easy to set up corporate payments and to provide documentation without having to log into separate portals and..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6768978) ME Mardel E. Service Professional > "The thing i least like about teampay would be the actual process you have to complete inorder to received funds" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6610344) VR Verified Reviewer Support Analyst > "It has simplified our purchase request process and made internal communication around spend more transparent." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843586) LE Lucas E. Director of Digital Services > "These issues have disrupted my workflow and delayed the submission of expenses." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6833143) FN Fiona N. Accountant > "The quick customer support and user-friendly interface stood out, despite the initial confusion with the slack channel." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7007545) TW Taylor W. Enterprise Account Executive > "It's 100% unnecessary and slows things down completely." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7013579) YT Yen T. Teacher > "Teampay makes it easy for employees to request purchase; it is linked to Amazon." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7012980) JW John W. Controller > "As an one who does financial reporting who mostly uses the reporting function, my experience has been very poor." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843789) EM Edrico M. Senior Designer > "I like that everything’s in one place so we don’t have to chase approvals or dig through emails." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7011869) CG Catherine G. CARDIOGRAPHIC TECHNICIAN > "The least I like about Team Pay is the wait for the approval of funds." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6777055) JH John H. Clinical Educator > "Being able to quickly create a reimbursement order and send in less than a minute." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6766577) TC Trey C. Sr. SDR > "There isn't an easy way to see how much money I have left to expense for the year." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6630886) SB Srushti B. Administrative Assistant > "Teampay has been a valuable tool for managing payments, but as mentioned in the cons, it was a bit challenging to use at..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6756137) MH Michelle H. Administrative Assistant > "The only thing I would say is that the receipt picture is a little vague." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6755778) JM Joseph M. Corporate Communications > "Seamless connection with tools like NetSuite, and Slack reduces manual data entry and errors." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6839372) Sean O. Software Engineer > "The other pages or tabs I'll never have a use for, so why should I have access to them?" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6774288) JS Jenny S. Onboarding > "I really liked how easy Teampay makes it to track expenses and manage approvals." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7009460) DW Denise W. Clinical Liaison > "I have noted recently a slower response time with reimbursements" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6631082) FN Fiona N. Accountant > "The platform’s efficiency and the team’s dedication to resolving issues made it a positive journey." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7007545) SB Sarah B. Area Director > "Sometimes receive too many email reminders" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6622026) CB Caleb B. Director of Finance > "I like that it simplifies the approval process for credit card requests." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6628322) JW Joe W. Engineer > "sometimes its slow and unresponsive, need some updates" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6766382) JH Jane H. Workplace management specialist > "It’s intuitive and easy to use, with convenient features like copying card numbers, uploading receipts, and viewing..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6626707) KW Karla W. Teacher > "It can be frustrating to reconnect and troubleshoot these disruptions." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6767073) JT Junior T. Data Processor > "No steep learning curve; it's designed to feel conversational and straightforward, like chatting in Slack." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7007427) GB Gerald B. Teacher > "Much more formalized, which for a user is not an improvement." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6773546) SA Suganthan A. Lead - Marketing > "From the POV of a user who is not part of the Finance org - it is super easy to get started with and use, making the virtual..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6615212) MK Murali K. Program Manager > "Not accepted by some vendors like openAI for some times" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6636298) SA Susan A. Assistant Director of Auxiliary and Summer Programs > "Excellent system for submitting expenses." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7013537) AS Alana S. Customer Service Rep > "According to my manager, it did not ping them enough" [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6772188) AS Amanda S. Associate Director Education and Events > "I love that I can easily approve funds while I'm out of the office, in case of an emergency." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6833580) AL Ale L. Software > "I've had an issue once where the service was not available." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6772062) VP Vikas P. Program Manager > "The intuitive interface and seamless expense tracking features." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6611022) JS John S. Manager > "A very minor issue is that not all merchants accept Teampay." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6642642) SG Siddhartha G. Staff engineer > "I liked the intuitive UX, I could easily find my cards, the balances, the expenditure." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6631620) JS Judy S. Epidemiologist > "I did not receive formal training so it took trial and error on my part to get comfortable with using it." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6766064) RG Ryan G. Data Acqusition > "The team payments are very good, the approval process is very good, when all is said and done it is a working system that..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843782) MA Mike A. Director of Publisher Partnerships > "Confusing to set up, was unsure whether I needed to download an app or use it on the web." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6767449) AH Ashley H. RN > "You can see the process of approval which gives me reassurance I will get my reimbursements timely." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6838560) NA Nisreen A. Mentor > "App is too simple and gives me issues sometimes." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6838069) MW Michael W. Professional Mentor > "I like that teampay gives me the option to split a transaction as well." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843401) CF Charise F. Content Curator > "Could be lack of training from my end though." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6773481) AK Abigail K. Assistant Controller > "Support and our representative were with us every step of the way, and we were not dropped after implementation." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___7007510) AA Alejandra A. Clinic Director > "Instead, I would have to buy things online." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6839042) HS Huzaifa S. Support Specialist > "The ease of being able to request a card has made a big impact on the access side of operations." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6766231) MW Michael W. Professional Mentor > "However, there are some issues that I've mentioned above." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6843401) ES Emily S. Operations Manager > "I also like the view and being able to see all the details on one page." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6766536) TL Timothy L. Accounting Manager > "There were certain features that were missing (shutting off recurring subscriptions) and not having the ability to notify..." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___4081799) IS Idrissa S. Service pro > "It facilitates communication between employees and finance team." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6636314) ED E. D. Finance Manager > "It is very slow and unresponsive." [See full review](https://www.capterra.com/p/176776/TeamPay/#Capterra___6612232) [View Reviews](https://www.capterra.com/p/176776/TeamPay/reviews/) ## User interface 4.40 (3,307) [Teampay](https://www.capterra.com/p/176776/TeamPay/) 4.62 (257) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit Accounting Integration 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Xero Top features 34/50 - Accounting Integration - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Automated Receipt Matching - Backup and Recovery - Billing Portal - Bulk Send - Client Management - Compliance Management - Contact Database - Contingency Billing - Credit Card Processing - Credit Note - Customizable Branding - Customizable Invoices - Customizable Reports - Customizable Templates - Document Management - Dunning Management - Duplicate Detection - Dynamic Pricing - Email Management - Event Logs - File Encryption - File Sharing - Financial Management - Fraud Detection - Generative AI - Hourly Billing - Invoice Creation - Invoice History - Invoice Processing - Master Data Management - Mobile Payments - Multi-Currency - Multi-Language - Online Invoicing - Payment Processing - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders - Reporting & Statistics [See all features](https://www.capterra.com/p/120109/Xero/#features) Teampay 21/50 - Accounting Integration - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Automated Receipt Matching - Backup and Recovery - Billing Portal - Bulk Send - Client Management - Compliance Management - Contact Database - Contingency Billing - Credit Card Processing - Credit Note - Customizable Branding - Customizable Invoices - Customizable Reports - Customizable Templates - Document Management - Dunning Management - Duplicate Detection - Dynamic Pricing - Email Management - Event Logs - File Encryption - File Sharing - Financial Management - Fraud Detection - Generative AI - Hourly Billing - Invoice Creation - Invoice History - Invoice Processing - Master Data Management - Mobile Payments - Multi-Currency - Multi-Language - Online Invoicing - Payment Processing - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders - Reporting & Statistics [See all features](https://www.capterra.com/p/176776/TeamPay/#features) ### Recognition Xero is recognized as a top-rated tool in 1 Capterra Shortlist reports Teampay is recognized as a top-rated tool in 3 Capterra Shortlist reports ### Deployment & support Xero Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - 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 Teampay Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - 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 ### Company Details Xero - By Xero - Located in New Zealand - Founded in 2006 Teampay - By Teampay - Located in United States - Founded in 2016 ## Popular Comparisons [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $25/month Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/120109-190778/Xero-vs-QuickBooks-Online) [Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.62 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) vs [Order.co](https://www.capterra.com/p/161813/Order-Software/)[4.52 (172)](https://www.capterra.com/p/161813/Order-Software/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.5 Features 4.3 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/161813-176776/Order-Software-vs-TeamPay) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,659)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $25/month Price $2210/year 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-174984/Xero-vs-QuickBooks-Enterprise) [Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.62 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) vs [Precoro](https://www.capterra.com/p/148522/Precoro/)[4.78 (255)](https://www.capterra.com/p/148522/Precoro/reviews/) Contact vendor for pricing Price $499/month 4.5 Features 4.5 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/148522-176776/Precoro-vs-TeamPay) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/120109-135757/Xero-vs-NetSuite) [Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.62 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) vs [Odoo](https://www.capterra.com/p/135618/Odoo/) [4.20 (1,314)](https://www.capterra.com/p/135618/Odoo/reviews/) Contact vendor for pricing Price $31.1/month 4.5 Features 4.2 4.6 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135618-176776/Odoo-vs-TeamPay) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-120109/Intacct-vs-Xero) [Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.62 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) vs [Cin7 Core](https://www.capterra.com/p/133038/Cin7-Core/)[4.34 (738)](https://www.capterra.com/p/133038/Cin7-Core/reviews/) Contact vendor for pricing Price $349/month 4.5 Features 4.2 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/133038-176776/Cin7-Core-vs-TeamPay) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,564)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) $25/month Price $1922/year 4.3 Features 4.3 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-212058/Xero-vs-QuickBooks-Desktop-Pro) [Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.62 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.5 Features 4.2 4.6 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-176776/NetSuite-vs-TeamPay) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.44 (1,045)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/) $25/month Price $235/month 4.3 Features 4.4 4.4 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-189398/Xero-vs-QuickBooks-Online) [Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.62 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) vs [Tradogram](https://www.capterra.com/p/136077/Tradogram/)[4.52 (109)](https://www.capterra.com/p/136077/Tradogram/reviews/) Contact vendor for pricing Price $425/month 4.5 Features 4.3 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/136077-176776/Tradogram-vs-TeamPay)