# Compare Xero vs Synder 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Synder and Xero based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/120109-185441/Xero-vs-Business-Payments

---

# Synder vs Xero Features and Cost Comparison

Last updated March 27th, 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:

SynderXero2/4 selected

[Synder](https://www.capterra.com/p/185441/Business-Payments/)[4.7 (252)](https://www.capterra.com/p/185441/Business-Payments/reviews/)

[Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/)

[## Synder](https://www.capterra.com/p/185441/Business-Payments/)[4.7 (252)](https://www.capterra.com/p/185441/Business-Payments/reviews/)

Starting Price

$52.00/month

Value-for-Money

4.6

Functionality

4.7

Ease of Use

4.6

Customer Service

4.8

Reviews Sentiment

Based on [252 reviews](#user-reviews)

Positive

240

Neutral

4

Negative

8

[## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,269)](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 [3,269 reviews](#user-reviews)

Positive

2,872

Neutral

237

Negative

160

What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 7,410 reviews from accounting 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

\--%Fit

Missing features

Feature ratings

Chart of Accounts

NA

Income & Balance Sheet

NA

Data Security

NA

Document Management

NA

Financial Reporting

3.2

64%Fit

Missing features

Feature ratings

Chart of Accounts

NA

Income & Balance Sheet

4.6

Data Security

NA

Document Management

4.7

Financial Reporting

4.4

User satisfaction

User satisfaction

4.7

User reviews[252](https://www.capterra.com/p/185441/Business-Payments/reviews/)

Ease of use

4.6

Functionality

4.7

Value for money

4.6

Customer support

4.8

User satisfaction

4.4

User reviews[3,269](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

$52Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

$25Flat Rate, Per Month

-   Free version
-   Free trial

Best for

Best for

Synder is built to optimize bookkeeping processes for SME and Midsize up, as well as accountants serving them.

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

Dee Dee M.

Managing Partner

> "It also created multiple clearing accounts in my chart of accounts (which would be workable, but time intensive), and also new expense and..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#GetApp___6415514)

VR

Verified Reviewer

Owner

> "After spending over 10 months working with their support team to prove the integration didn’t work, the only solution they offered was a..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

VR

Verified Reviewer

Owner

> "The only positive aspect was that some of the frontline customer support representatives were polite and willing to listen."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

VR

Verified Reviewer

Owner

> "It’s difficult to accept that explanation when I provided multiple examples of transactions where Synder pulled incorrect numbers that did not..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

Dee Dee M.

Managing Partner

> "Still I was willing to keep trying, because I also knew there were smart rules that should be able to help me refine issues, once I got a good..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#GetApp___6415514)

MB

Michael B.

Owner

> "Poor Service / Unreasonable Customer Support, I contacted customer support and traded emails only to get "note that according to our Terms and..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#SoftwareAdvice___6849513)

Dee Dee M.

Managing Partner

> "Having worked with Webgility before (which is very easy, intuitive and has great set-up instructions, but is more expensive)"

[See full review](https://www.capterra.com/p/185441/Business-Payments/#GetApp___6415514)

VR

Verified Reviewer

Owner

> "The pricing practices were also frustrating. While the platform still had unresolved bugs, they offered a 40% discount if I switched to an..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

MA

Matthew A.

Bookkeeper

> "sensitive content hidden\] was a great asset in setting up my account and ensuring smart rules were working properly."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___6475345)

Dee Dee M.

Managing Partner

> "Linking not just channels like Big Commerce and Amazon, but also Payment merchants like Paypal and Authorize.net, meant that I would get..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#GetApp___6415514)

VR

Verified Reviewer

Customer service representative

> "Overall, I really love this software you can have them by buying it on the store."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___6337831)

HL

Hannah L.

Owner

> "I find the platform to be overwhelming for someone that is not very tech savvy and I wish there was on demand live person support for quick..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7020183)

AL

Asher L.

IT and Customer Service Manager

> "Synder has made the automation process smooth and their support team is always available to answer questions."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___6140540)

VR

Verified Reviewer

Owner

> "Many transactions had to be reviewed manually because the app was pulling incorrect numbers."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

VR

Verified Reviewer

Customer service representative

> "I love the convenience and it is very user-friendly."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___6337831)

VR

Verified Reviewer

Owner

> "The biggest issue is that Synder is one of the highest-priced apps in this category without delivering the functionality it advertises."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

AL

Asher L.

IT and Customer Service Manager

> "sensitive content hidden\] met with us recently due to a payment processor switch and quickly helped us set up everything just like it was before!"

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___6140540)

GR

Gilberto R.

CEO

> "f you have paid for a yearly subscription and choose to cancel, the cancellation will take effect immediately, and access to the services will..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___6850557)

PW

Paul W.

Director

> "Great syncing app that syncs stripe sales and charges to Quickbooks"

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3985575)

VR

Verified Reviewer

Owner

> "Another problem is how concerns are handled once they reach higher levels of support."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

SK

Scott K.

CEO/Owner

> "We went from a Quickbooks Desktop workflow that included emails/post-its to a fully streamlined, automated workflow. While we could have..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___2794632)

VR

Verified Reviewer

Owner

> "That’s not an enhancement issue—it’s a data accuracy problem."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

KD

Khristopher D.

Owner

> "Amazing customer service! "

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___5080464)

VR

Verified Reviewer

Owner

> "Another frustrating aspect was the quality of support as issues were escalated."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___7108720)

RR

Rodrigo R.

Marketing Manager

> "Synder has a team that can speak to you instantly via the live chat or you can even request a call/Zoom meeting."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3156829)

SA

Sherif A.

CEO

> "Support was evasive and ultimately unhelpful."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___6819819)

RM

Raymond M.

Director

> "The way Snyder syncs stripe transactions into quickbooks is a critical feature which I can't do without."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3368890)

Dee Dee M.

Managing Partner

> "My nightmare is over, they can keep my money, I will tell you to be very careful with this set up."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#GetApp___6415514)

MT

Michele T.

operations manager

> "This app syncs all of our Stripe payments into QBO in nearly real-time."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3060049)

RD

Robert D.

IT Consulting

> "Their process is full of errors and their configuration interface could be a lot more intuitive, which would reduce miscommunications along the..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#SoftwareAdvice___3443192)

NB

Nina B.

Bookkeeper

> "It is like a relief to deal with so many transactions after Synder"

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3498509)

RD

Robert D.

IT Consulting

> "I think a big part of that initial disconnect is caused by some poor decisions as to support priorities. "

[See full review](https://www.capterra.com/p/185441/Business-Payments/#SoftwareAdvice___3443192)

TM

Tamira M.

president

> "it saves countless hours of manually changing the coding from Paypal"

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3180467)

RD

Robert D.

IT Consulting

> "In the few months I spent working with Synder, I wasted more than 100 hours troubleshooting & repairing."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#SoftwareAdvice___3443192)

SK

Scott K.

CEO/Owner

> "Loved the flexibility of the application to act as a conduit for our transactions. "

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___2794632)

LM

Luis M.

VP

> "I've already experienced a few syncing issues where I received an error message indicating there were not enough "resources" to complete the..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3309844)

MG

Mario G.

Director

> "Bookkeeping with Stripe and Paypal automatically is game changer."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3425870)

AG

Arryn G.

Owner

> "I don't use nearly the amount of syncs I pay for, so I wish there was a lesser-tier option."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3149608)

LH

Liz H.

Treasurer

> "Kiryl was my helper today and he did a great job leading me through the process of setting up two rules which I had previously done incorrectly."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___2946018)

MG

Mario G.

Director

> "Not enought free syncs for historical data."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3425870)

RD

Rebecca D.

Accountant

> "Really helpful customer support representatives (shout out to \[SENSITIVE CONTENT\] for being so accommodating and pointing me in the right..."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___2921623)

JB

Jennifer B.

Owner

> "Also, new pricing structure might not work for my very small clients."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___2925822)

LH

Liz H.

Treasurer

> "I have contacted support via chat three times for help with setting up rules etc. and everyone has been very knowledgeable, patient, and helpful."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___2946018)

MT

Michele T.

operations manager

> "The subscription price is high if you don't have a lot of transactions."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3060049)

JW

John W.

Board Treasurer

> "The searching through transactions is easy to do when investigating payments."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3235294)

BR

Brielle R.

Owner

> "It is not possible to sync open invoices that have been paid with a deposit but not closed out."

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___2634397)

LP

Lisa P.

Owner

> "Love that it also supports multi-currency"

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___3206747)

DC

Deborah C.

Dir of Finance

> "The initial connection to Quickbooks had its issues"

[See full review](https://www.capterra.com/p/185441/Business-Payments/#Capterra___2111240)

[View Reviews](https://www.capterra.com/p/185441/Business-Payments/reviews/)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038677)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616)

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)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616)

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)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7107297)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033)

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)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

JP

John P.

Transport Broker

> "Bank feed links are sometimes broken automatically."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6540687)

MM

Maria M.

communication specialist

> "Sometimes the interface feels a little cluttered."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7033042)

NM

Nick M.

Manager

> "The cloud-based functionality means I can update financial records or send out invoices from anywhere, at any time, which is a lifesaver for a mobile entrepreneur like..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6235128)

HT

Helen T.

Business Adminsitrator

> "The email address the invoices are sent from a generic email address which some companies reject"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6762194)

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)

Adrien J.

CEO

> "Bank integration does not work as advertised."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7109271)

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)

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)

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)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6346121)

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)

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)

Craig B.

Managing director

> "With accounting going digital, Xero is affordable and user friendly, allows multiple usersvwith various levels of access."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037092)

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)

TH

Tamim H.

maneger

> "Comprehensive Reporting: The robust reporting tools provide detailed insights into financial performance, helping businesses make informed decisions and maintain healthy..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6306678)

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)

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)

ID

Irina D.

CTO

> "Some authentication issues, lack of user management, and can be a bit complicated to use at times"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6793617)

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..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6559041)

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)

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)

CB

Chris B.

Owner

> "Worse offering for taking credit card payments"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880)

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)

EH

Erin H.

Google Ads Specialist

> "It's mildly annoying that when I started with Xero I was on such a good price - I don't use it for all that much besides what I've said in this review -- and there have..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6778974)

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)

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)

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)

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)

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)

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)

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)

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)

HA

Haithem A.

NA

> "The way it is built to make it easier to search of clients and invoices, great way of ammending invoices"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6819344)

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)

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)

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)

BT

Badri T.

System Operator

> "Comprehensive Features: Xero Software has wide range features like expense tracking, reconciliation and reporting."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6289484)

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)

VR

Verified Reviewer

Managing Director

> "Xero has saved me a lot of time due to automated postings, intelligent bank rec and bank feeds."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6801834)

VR

Verified Reviewer

Managing Director

> "The permissions are not granular enough to control users in the way that I would like."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6801834)

Abbey W.

owner, founder

> "Xero threads the needle perfectly, being simple to use and get the information I need while still being robust enough to fill all of my business needs."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7082345)

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)

[View Reviews](https://www.capterra.com/p/120109/Xero/reviews/)

## User interface

4.72 (252)

4.40 (3,269)

## 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

Access Controls/Permissions

207

Important

Accounts Payable

150

Important

Accounts Receivable

120

Important

Synder

15/45

-   Access Controls/Permissions
-   Accounts Payable
-   Accounts Receivable
-   Activity Dashboard
-   Activity Tracking
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Management
-   Audit Trail
-   Bank Reconciliation
-   Billing & Invoicing
-   Budgeting/Forecasting
-   Cash Flow Management
-   Chart of Accounts
-   Compliance Management
-   Currency Conversion
-   Data Security
-   Document Management
-   Encryption
-   Expense Tracking
-   Financial Consolidation & Close Management
-   Financial Management
-   Financial Reporting
-   Fixed Asset Management
-   Fund Accounting
-   General Ledger
-   Generative AI
-   Income & Balance Sheet
-   Mobile Access
-   Multi-Currency
-   Multi-Location
-   Payment Processing
-   Payroll Management
-   Project Accounting
-   Purchase Order Management
-   Quotes/Estimates
-   Receipt Management
-   Recurring/Subscription Billing
-   Reminders
-   Sales Tax Management
-   Status Tracking
-   Tax Management
-   Third-Party Integrations
-   Workflow Management

[See all features](https://www.capterra.com/p/185441/Business-Payments/#features)

Xero

Top features

35/45

-   Access Controls/Permissions
-   Accounts Payable
-   Accounts Receivable
-   Activity Dashboard
-   Activity Tracking
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Management
-   Audit Trail
-   Bank Reconciliation
-   Billing & Invoicing
-   Budgeting/Forecasting
-   Cash Flow Management
-   Chart of Accounts
-   Compliance Management
-   Currency Conversion
-   Data Security
-   Document Management
-   Encryption
-   Expense Tracking
-   Financial Consolidation & Close Management
-   Financial Management
-   Financial Reporting
-   Fixed Asset Management
-   Fund Accounting
-   General Ledger
-   Generative AI
-   Income & Balance Sheet
-   Mobile Access
-   Multi-Currency
-   Multi-Location
-   Payment Processing
-   Payroll Management
-   Project Accounting
-   Purchase Order Management
-   Quotes/Estimates
-   Receipt Management
-   Recurring/Subscription Billing
-   Reminders
-   Sales Tax Management
-   Status Tracking
-   Tax Management
-   Third-Party Integrations
-   Workflow Management

[See all features](https://www.capterra.com/p/120109/Xero/#features)

### Recognition

No recognitions have been awarded to Synder

No recognitions have been awarded to Xero

### Deployment & support

Synder

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

Synder

-   By CloudBusiness
-   Located in United States
-   Founded in 2016

Xero

-   By Xero
-   Located in New Zealand
-   Founded in 2006

## Popular Comparisons

[Synder](https://www.capterra.com/p/185441/Business-Payments/)[4.72 (252)](https://www.capterra.com/p/185441/Business-Payments/reviews/)

vs

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[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/)

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[Synder](https://www.capterra.com/p/185441/Business-Payments/)[4.72 (252)](https://www.capterra.com/p/185441/Business-Payments/reviews/)

vs

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4.7

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[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/)

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$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)

[Synder](https://www.capterra.com/p/185441/Business-Payments/)[4.72 (252)](https://www.capterra.com/p/185441/Business-Payments/reviews/)

vs

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$52/month

Price

$1922/year

4.7

Features

4.3

4.6

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/185441-212058/Business-Payments-vs-QuickBooks-Desktop-Pro)

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/)

vs

[QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,547)](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)

[Synder](https://www.capterra.com/p/185441/Business-Payments/)[4.72 (252)](https://www.capterra.com/p/185441/Business-Payments/reviews/)

vs

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$52/month

Price

Contact vendor for pricing

4.7

Features

4.2

4.6

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135757-185441/NetSuite-vs-Business-Payments)

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.22 (1,991)](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)

[Synder](https://www.capterra.com/p/185441/Business-Payments/)[4.72 (252)](https://www.capterra.com/p/185441/Business-Payments/reviews/)

vs

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$52/month

Price

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4.7

Features

4.4

4.6

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/185441-189398/Business-Payments-vs-QuickBooks-Online)

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/)

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Contact vendor for pricing

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Features

4.2

4.4

Ease of Use

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vs

[Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.26 (606)](https://www.capterra.com/p/76/Intacct/reviews/)

$52/month

Price

Contact vendor for pricing

4.7

Features

4.2

4.6

Ease of Use

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[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/)

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Price

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4.3

Features

4.4

4.4

Ease of Use

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