# Compare Xero vs Stripe Billing 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Stripe Billing and Xero based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/120109-178774/Xero-vs-Stripe-Billing --- # Stripe Billing vs Xero Features and Cost Comparison Last updated April 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: Stripe BillingXero2/4 selected [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.7 (204)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) [Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) [## Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.7 (204)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) Starting Price Contact vendor Value-for-Money 4.4 Functionality 4.6 Ease of Use 4.5 Customer Service 4.5 Reviews Sentiment Based on [204 reviews](#user-reviews) Positive 194 Neutral 8 Negative 2 [## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,290)](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 [3,290 reviews](#user-reviews) Positive 2,891 Neutral 239 Negative 160 ## 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. ## Summary * * * Key features rated by users Features selected based on 15,172 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 82%Fit Feature ratings Invoice Creation 4.6 Invoice Processing 4.6 Payment Processing 4.8 Credit Card Processing 4.7 Quotes/Estimates 4.4 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 User satisfaction User satisfaction 4.7 User reviews[204](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) Ease of use 4.5 Functionality 4.6 Value for money 4.4 Customer support 4.5 User satisfaction 4.4 User reviews[3,290](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 Price starts from Price starts from \-- - Free version - Free trial Price starts from $25Flat Rate, Per Month - Free version - Free trial Best for Best for Designed for small businesses, startups, and large enterprise with recurring revenue. Stripe optimizes and automates subscription management, invoicing, payments, revenue recovery, and more. Best for Xero is an accounting software that caters to small businesses across multiple sectors, such as agriculture, construction, education, healthcare, hospitality, and more. ## User reviews Pros & cons HL Hikmet L. Medical Assistance Specialist > "Our automated billing capabilities will enable us to charge international insurance partners and client payments of long-term..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7100285) AS Adewale S. HIO > "However, it takes a while to get help when need especially for issues that has to do with finances, could be quite worrisome." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7081196) Brittany H. Owner > "It’s reliable, secure, and has significantly streamlined how we manage recurring payments and customer billing. While there is a..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7083447) DG Damian G. CTO > "Personally have an issue sometimes when setting up products etc. inside app wasn't that intuitive in first place after some time..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7125709) Austin F. President > "It’s dependable, secure, and scalable, which is critical when managing multiple clients and monthly retainers. Once you understand..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7094103) MB Morgan B. Owner > "It works enough for me to keep using it but the fees and delay on payment are pretty big negatives so I'd be willing to change to..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6827637) ML Margaret L. Owner > "I sell my art to many types of people, so this is important as well as offering a secure and customer friendly purchase solution." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7072899) DG Destiny G. Lead Designer > "It doesn't allow for a lot of flexibility when it comes to things like scheduling invoices to go out later (at least not through..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6455170) Melissa Z. Owner > "I liked the options of having monthly booking, tap and pay with my phone and can view charges on tge app" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7102412) LS Lindsey S. Director of Marketing Operations > "There's no way for us to set up recurring billing for large clients until after they manually pay their first invoice." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6801062) Tracie B. Executive Director > "Stripe is very easy to integrate across multiple platforms (Squarespace, donation pages, etc.) and allows you to see accounts..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7087614) CB Candace B. Director of Admin and HR > "i can't always export the specific information I am looking for which causes extra time on my part to sort through certain fields." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6719183) SP Sam P. Founder > "I'd love to see more features added for access control and multiple users, as well as automated commission calculations for my..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7039004) GM Genevieve M. Owner > "The fees for each card payment aren't always clear; there's a fee for using stripe and then a tax fee on top of that." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6560631) CK Caroline K. Owner > "It’s not perfect for every single use case, but for most, it’s reliable, powerful, and saves a lot of time and hassle." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7075682) SK Shawnalee K. Office Manager > "I have to type it in-and if I miss a number or input too many, I can cause a huge error." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6754039) Alicia E. Full stack developer > "Their navigation panel is visually appealing and modern which gives trust. And the best part is that is free to install." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7142589) KG Kim G. Performance Marketing Manager > "t can get pricey, especially with high transaction volumes, and small businesses might feel a bit overwhelmed by the technical..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6487419) BG Blair G. CEO > "I have confidence that stripe will handle all my billing needs while providing a secure platform my customers can use." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7040624) DP Digna P. Counsellor > "Sometimes not as clear on the Stripe app when and how much a customer has paid or how to request a refund." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6428626) AS Adewale S. HIO > "Stripe billing is easy to use and quite secured with continuous information update with me as a user." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7081196) VR Verified Reviewer Executive Director > "I haven't figured out how to integrate it or optimize it with my donor CRM on my website." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6592488) Austin F. President > "Stripe Billing has been extremely reliable and scalable for my agency." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7094103) SG Sonya G. Accountant > "No notifications exist for the automatically cancelled subscriptions, which is hard to follow when there are many customers to..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4999358) Victor D. Support-Analyst > "Great experience overall, even though it's sometimes a pain to revisit flows or make adjustments to some settings; the platform..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7013565) RD Ruti D. CEO > "The fees can get pretty high, especially for larger payments." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6574672) DD Dennis D. Business Owner > "It works well and it's not too hard to integrate the system with my online store (WordPress - WooCommerce) and other services." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6763787) CB Candida B. founder, coach > "It took me a while to work out how to set up product and discount code." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6675578) Alicia E. Full stack developer > "I integrated stripe with Wocommerce and the process was super easy." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7142589) BN Bolortuya N. Business Operations Manager > "Subscriptions are much harder to manage than they make it seem to be, also if an invoice needs to be amended the due date cannot..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6039380) VR Verified Reviewer Senior Sales Development Representative > "Stripe is a powerful payment processing platform for online businesses." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7003142) Nicole D. Owner > "I also feel like the CC fees are too high in general, however I don't think the fees Stripe charges are any different than anyone..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6229951) VR Verified Reviewer Tech support > "Its highly secure and compliant but you'll need to weight thr pros and cons if you are a smaller company." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7002779) CM Carolyne M. Company Director > "It felt over complicated." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6421495) AS Adewale S. HIO > "Overall Stripe Billing has given me an excellent e perience as a user." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7081196) Nicole D. Owner > "I don't like that Strip holds payments before processing and paying out." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6229951) Victor D. Support-Analyst > "It's easy to find customers, invoices and set up recurring billing and schedules." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7013565) RS Rod S. Recruiter > "Often difficult to set up and manage/understand when payments are received" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6049505) VR Verified Reviewer Data Analyst > "It is super easy to set up and use, automates recurring payments effortlessly, and makes invoicing clear and simple." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7023513) VR Verified Reviewer Heartbreak Whisperer > "Overall, it doesn't make me confident at all to use Stripe Billing as a stand-alone tool for all my invoicing, billing and..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___3770262) MC Madison C. Payment Processing Specialist > "It's a powerful tool for any business that relies on recurring revenue or subscription-based models." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6591107) Arjun K. Co-founder > "poor at handling partial payments" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6075083) OH Olivia H. Owner > "Stripe has made it easier for me to get payments for the different products I sell online." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6795329) Gin Fung Y. Director > "It is more expensive than other platforms for the basic user like myself" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4834631) AD Ashley D. Attorney > "I love that it tells me how much I’ve made year to date versus the same time last year. And I love that you can have the funds..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6743141) Hardik M. Team Leader > "Manytimes payout is taking time to process payment. And also sometimes payment failed issue. But it is not consistence issue." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4345206) Melissa Z. Owner > "Viewing sales is organized and easy to read." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7102412) BH Barb H. Professional Development Chairperson > "Unhelpful feedback from Stripe employees." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6016131) CH Chantea H. Owner > "It’s pay as you go so you can afford to use it while you build and start to maintain your customer base growth." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6433611) BL Beth L. Director > "It's hard to find specific transactions and payments in their User Interface." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___3795276) JC Jacqueline C. Brand Designer > "I've been using this payment gateway for the last 10 years but since the pandemic it has become my preferred payment gateway for..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6592046) SnJN Starène Juldanie N. commerciale > "I didn't like the customer service of the software, because the live chat of the service is not good." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4450408) RR Rosanne R. Owner > "I appreciate access to my account, and can almost always find what I need on my own." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6838715) BL Beth L. Director > "Filtering and searching are abysmal." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___3795276) MF Megan F. owner > "Made receiving money and transferring to bank account simple and fairly quick, easy to get set up and establish you account" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6868369) NP Nith P. Ceo > "Maybe a bit overpriced, thats all to be honest" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4738256) DD Dennis D. Business Owner > "I like that I can set up recurring subscription billing for my customers really easily" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6763787) KP Karen P. Owner > "I have to have too much info to run a credit card such as billing address." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2861475) Nicole D. Owner > "I like being able to take payments remotely, create subscriptions, create custom payment links and product tables as well." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6229951) AJ Ashley J. Personal Trainer > "The online portal is so confusing." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___3976816) MC Madison C. Payment Processing Specialist > "Stripe Billing makes managing recurring subscriptions and invoices incredibly easy." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6591107) AS Adonay S. CTO > "At first it's difficult to get familiar with all the concepts they use for their different parts of the process, I wasn't able to..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2398650) JC Jacqueline C. Brand Designer > "It isn't perfect but it does what it says and transfers into my bank account much quicker than the expected time frame." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6592046) KP Karen P. Owner > "I have asked customer service about this and they say someone will call to discuss but that has never happened" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2861475) RS Ryan S. Director > "It's been a very welcoming experience with good customer support and fast turnaround times withdrawing to bank accounts and..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6502023) Jake S. CEO > "I don't like that you cant pro-rate a month of service, this makes it difficult to keep billing dates consistent" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2216162) RS Ryan S. Director > "Overall Stripe provides a good platform for our business to take payments online." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6502023) MH Matt H. Director > "The only bit about this software that is frustrating is that it takes a while for the money to arrive in your bank." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2240969) [View Reviews](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) 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..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) 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 > "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) 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) 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) 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) 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) 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) 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..." [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..." [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) 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) 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) 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) 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) 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) 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) VR Verified Reviewer Founder and Copywriter > "Invoicing is straightforward, I can easily reconcile all of my transactions and can run reports without having any finance knowledge." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7047418) 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) 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..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) 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) 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) 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) 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) 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) 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) JP John P. Transport Broker > "Bank feed links are sometimes broken automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) 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) 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..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) 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) Adrien J. CEO > "Bank integration does not work as advertised." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7109271) 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) 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) 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) NH Natalie H. Partner and co-founder > "It's a little annoying when you've missed putting in the due date and it doesn't allow you to proceed, sometimes for the small business we don't need the due date, just add to..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6346121) 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) JG Jacob G. Owner Franchisee > "The numbers of users triggering a different payment amount is not the best for a small business." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6832378) 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) 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) JC Jesse C. Managing Director > "We love the ability to connect and reconcile our accounts, easily process payroll, sign up new staff and process credit card payments for better cashflow." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6306306) 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) 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) 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) SN Samuel N. CEO > "I did have some issues getting set up and connecting bank accounts, which resulted in duplicates for one of my credit cards." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6301773) 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) DM Daniel M. Owner > "Also, the learning curve can be a bit steep when diving into more complex accounting features." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6823952) 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) 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) 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) 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) TH Tamim H. maneger > "Comprehensive Reporting: The robust reporting tools provide detailed insights into financial performance, helping businesses make informed decisions and maintain healthy cash..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6306678) GL Gus L. CFO and Principal Engineer > "No way to generate travel expense report using labels" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831756) MC Matthew C. Director > "For us as a small manufacturing company that exports its products worldwide, Xero has proved to be an excellent fit with our needs." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7062551) LS Ladan S. ceo > "it took me an hour to figure out how to reach customer service, and I find that not having a live help is really a burden" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831802) 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) 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) 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..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6559041) 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) 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) 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) 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) GL Gus L. CFO and Principal Engineer > "Not integrated with invoicing systems like ipp.gov" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831756) 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..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6460055) 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) VR Verified Reviewer Account and content marketing manager > "Reoccurring invoices and the simplicity of the program were essential factors to enhance our monthly invoice procedure and Xero delivered." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6335146) SP Shelley P. Manager > "I keep sending POs that say DRAFT because the APPROVE button is at the bottom." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6841704) 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) KL Kyle L. President > "Also, their prices keep increasing substantially and they don't care if you've been there for many years they will still increase it on you which is why I left." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6829883) SP Shelley P. Manager > "The import and export feature works nicely too if you are setting up a new account or moving data from one file to another." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6841704) 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) [View Reviews](https://www.capterra.com/p/120109/Xero/reviews/) ## User interface 4.66 (204) 4.40 (3,290) ## 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 Stripe Billing 26/50 - 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 - Process/Workflow Automation - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders [See all features](https://www.capterra.com/p/178774/Stripe-Billing/#features) Xero Top features 33/50 - 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 - Process/Workflow Automation - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders [See all features](https://www.capterra.com/p/120109/Xero/#features) ### Recognition Stripe Billing is recognized as a top-rated tool in 1 Capterra Shortlist reports Xero is recognized as a top-rated tool in 1 Capterra Shortlist reports ### Deployment & support Stripe Billing 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 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 ### Company Details Stripe Billing - By Stripe - Located in United States - Founded in 2009 Xero - By Xero - Located in New Zealand - Founded in 2006 ## Popular Comparisons [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.66 (204)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,395)](https://www.capterra.com/p/207944/PayPal/reviews/) Contact vendor for pricing Price $0.29 4.6 Features 4.6 4.5 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/178774-207944/Stripe-Billing-vs-PayPal) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,439)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.66 (204)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,439)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing Price $38/month 4.6 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/178774-190778/Stripe-Billing-vs-QuickBooks-Online) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,637)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.66 (204)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (604)](https://www.capterra.com/p/268623/Abby/reviews/) Contact vendor for pricing Price €0.01/month 4.6 Features 4.6 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/178774-268623/Stripe-Billing-vs-Abby) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,035)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.66 (204)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,637)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) Contact vendor for pricing Price $2210/year 4.6 Features 4.4 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-178774/QuickBooks-Enterprise-vs-Stripe-Billing) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,558)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.66 (204)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.73 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) Contact vendor for pricing Price $0 4.6 Features 4.6 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/163114-178774/Zoho-Invoice-vs-Stripe-Billing) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.29 (684)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.66 (204)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Contact vendor for pricing Price $19/month 4.6 Features 4.2 4.5 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/178021-178774/Wave-Apps-vs-Stripe-Billing) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,041)](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)