# Compare Xero vs Dynamics 365 Business Central 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Xero and Dynamics 365 Business Central based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/120109-212111/Xero-vs-Dynamics-365-Business-Central

---

# Xero vs Dynamics 365 Business Central 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:

XeroDynamics 365 Business Central2/4 selected

[Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/)

[Dynamics 365 Business Central](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/)[4.1 (204)](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/reviews/)

[## 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

[## Dynamics 365 Business Central](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/)[4.1 (204)](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/reviews/)

Starting Price

$8.00/month

Value-for-Money

3.7

Functionality

4

Ease of Use

3.7

Customer Service

3.7

Reviews Sentiment

Based on [204 reviews](#user-reviews)

Positive

163

Neutral

19

Negative

22

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## Summary

* * *

Key features rated by users

Features selected based on 7,738 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

81%Fit

High performer

Feature ratings

Income & Balance Sheet

4.6

Chart of Accounts

4.5

Document Management

4.6

Data Security

4.4

Financial Reporting

4.4

60%Fit

Missing features

Feature ratings

Income & Balance Sheet

4.2

Chart of Accounts

NA

Document Management

4.5

Data Security

NA

Financial Reporting

3.9

User satisfaction

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

User satisfaction

4.1

User reviews[204](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/reviews/)

Ease of use

3.7

Functionality

4.0

Value for money

3.7

Customer support

3.7

Price starts from

Price starts from

$25Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

$8Per User, Per Month

-   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

Retail, finance, supply chain, customer service, sales, marketing, human resources, and project management.

## User reviews

Pros & cons

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/)

Song L.

Full-Stack Engineer

> "Thanks to its high flexibility for extensions, we've successfully streamlined our own WMS and EDI integrations."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7097417)

Song L.

Full-Stack Engineer

> "SaaS information processing is subject to network conditions. If network outages or server disruptions occur—as..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7097417)

Liam M.

Head of Operations

> "We started out with a team of 5 and now at a team of 60 worldwide, this product is ready and available to scale..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7078349)

AV

Alexandra V.

People Business Partner

> "D365 has a lot of capability, but we've found that when customizing too much, it can lead to lag with the..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6821358)

ZS

Zoe S.

Operations Specialist

> "There are so many applications and useful tabs to access many reports needed to help you or just easy day to..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7124392)

JG

Justin G.

IT Specialist

> "Limited customization without AL dev skills; steep learning curve for new users; occasional sync issues with..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6857596)

JR

Julie R.

Ministry leader

> "It improves efficiency, it improves decision making by giving real time performance metrics and it's deigned to..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7014508)

CD

Christian D.

Manager

> "I also don't like how BC isn't natively integrated with other Microsoft Dynamics products and requires..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6839104)

SN

Sylla N.

Furniture Fabricator

> "Dynamics 365 Business Central works well with Microsoft tools and helps manage key business functions like..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6625464)

EJ

Ethan J.

Auditor

> "The only issue with dynamics is that it can be very overwhelming without prior experience and is quite complex."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7104397)

Liam M.

Head of Operations

> "It's positive, but ultimately we could get more out of the system, our implementation partner was poor, but..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7078349)

AM

Athena M.

Account Manager

> "There are times when I can access it on the browser but error messages keep appearing when I try to access it..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6806604)

AA

Alifah A.

Accounting Assistant

> "Once trained properly on how to use this software it allows you to know what your business's needs are and what..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6797357)

VR

Verified Reviewer

marketing specialist

> "These aspects can be challenging when communicating product value to potential customers, especially small..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6385429)

AM

Athena M.

Account Manager

> "It's an all-in-one that is great for any business and team work, with access to all office tools and to a..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6806604)

SS

Stacey S.

Member Services

> "They are separated but I have to scroll through a lot of unnecessary options."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7017410)

Hameeda T.

Analyst

> "Performance is generally fast, and the interface is intuitive once you get used to it."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7122850)

AM

Athena M.

Account Manager

> "Glitches in the app and browser sometimes which cause instability."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6806604)

CD

Christian D.

Manager

> "Being a Microsoft product has innate ease for sign-in and organizational management."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6839104)

VR

Verified Reviewer

marketing specialist

> "This can make it difficult for our marketing efforts when trying to convince potential customers of its ease of..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6385429)

Adam G.

Chief Information Technology

> "Dynamics 365 allows me to get the requirements from my clients as well as my supplier partners with ease and..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___5098339)

ZS

Zoe S.

Operations Specialist

> "On top of saving it is not easy to find later."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7124392)

AV

Alexandra V.

People Business Partner

> "D365 is a great ERP packed full of features for mid-sized companies."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6821358)

SN

Sylla N.

Furniture Fabricator

> "However, it can be hard to learn at first, and the price is steep."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6625464)

Adam G.

Chief Information Technology

> "Additionally, Dynamics 365 allows me to onboard new clients, collect and save their data, and easily access it..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___5098339)

VR

Verified Reviewer

Owner

> "Some features can be complicated to use."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6533405)

MS

Manon S.

Associate software engineer

> "It was easy to integrate our sales and accounting data, making financial tracking a breeze."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6375886)

SS

Susie S.

Accounting Manager

> "It is difficult to navigate. "

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6675373)

AD

Anjalyn D.

Accounts Payable and Collections

> "What I like the most about business central is the ease in which you can find all the information about your..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6627601)

TK

Thomas K.

Group Finance Manager

> "You can't run consolidated AR and AP reports."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4900538)

CD

Christian D.

Manager

> "I also like how there are many add-ins available as well."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6839104)

PC

Pamela C.

Accountant

> "Cannot easily and cleanly download reports to Excel. "

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4830396)

AF

Austin F.

Manager

> "Big help in pushing productivity faster."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6814930)

Dominique F.

Team Manager

> "We had some problems due to wrong setting, after the intention by the customer service, we went through a..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4648754)

SS

Stacey S.

Member Services

> "Customer support was fantastic and provided quick solutions in a timely manner."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7017410)

KT

Krystal T.

Software Solutions Assoc

> "Relying on the search feature is a bit immature to have to do."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6278115)

AV

Alexandra V.

People Business Partner

> "Overall, D365 has been a great resource for our organization."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6821358)

SS

Susie S.

Accounting Manager

> "Very costly."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6675373)

VR

Verified Reviewer

Owner

> "I love that I can collect payments using this software."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6533405)

Jose Julian C.

Geologist

> "Customizations, on the other hand, can be complicated, and pricing might be an issue for small organizations."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4771425)

AS

ANTHONY S.

CEO

> "I like all the different options they have for small businesses."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6470228)

Gokulnath S.

Technical consultant

> "Accessing the Back end application(SQL server) is not possible."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4735966)

SL

Stephanie L.

CEO

> "I really like the design, everything is clear and simple yet also well organized"

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6599417)

JW

Johan W.

Management

> "My experience was horrible as partners can deploy the Software but theask you enormous amounts over R200k to..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4722698)

ADEEL A.

Digital Marketing Assistant

> "The best option available in Dynamic 365 business central is very flexible planning and forecasting."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6014917)

James A.

Data analyst

> "The system keeps on freezing whereby delaying our customers."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___3689463)

SS

Stacey S.

Member Services

> "Dynamics 365 was very easy to setup. "

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___7017410)

CM

Carlene M.

Accounts Payable

> "Payment Journal populates every Vendor that has a transaction then you have to choose which one to pay and then..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#SoftwareAdvice___3483671)

GT

Gaius T.

IT Manager

> "Very well designed ERP, data structure is very well designed so gives me a lot of confidence in the product"

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6132578)

CJA

Cesar Josue A.

University Intern

> "Users who lack prior experience with CRM or ERP solutions may face a steep learning curve."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4754036)

AD

Anjalyn D.

Accounts Payable and Collections

> "The way it is set up, you have everything at your fingertips!"

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6627601)

SM

Salim M.

consultant

> "The cost initially and on going subs is very high for any business , millions are needed"

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___3847436)

EH

Erin H.

VP

> "It's been easy to implement and setup D365 Business Central."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6478752)

JW

Johan W.

Management

> "Business Central support is South Africa does not exist."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4722698)

VO

Victor O.

Business Applications Developer

> "it’s a detailed ERP software that can function on its own without tiresome integrations even though it has..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4344005)

JW

Johan W.

Management

> "I could also not found one accountant who could work in this software for over two years."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4722698)

CM

Cheyanne M.

Owner

> "I love how easy it is to navigate and understand everything."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6752981)

Saurabh M.

Microsoft Functional Consultant

> "I am not able to find anything to Report at the Moment"

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___3657425)

AM

Abhay M.

Software developer

> "User friendly interface, easy to learn and easy to impliment."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6651357)

Dominique F.

Team Manager

> "To customize the software s not easy at all."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4648754)

TK

Thomas K.

Group Finance Manager

> "It does what we need it to do, but there are a lot of improvements that could be made."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4900538)

VR

Verified Reviewer

Managing Director

> "Another issue is that running many processes at once can slow it down and this will force you to wait longer."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___2933334)

AT

Asad T.

Data Analyst

> "Really helpful and easily integrated with POS systems."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___6136645)

TD

Tim D.

COO

> "It leaves us with little functional reporting and a lot of frustrating headaches. "

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#SoftwareAdvice___3430326)

Dominique F.

Team Manager

> "Based on it cloud option, we can link operations for more effectiveness and performance."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4648754)

NH

Neal H.

Financial Controller

> "The product is the product - they will not update to improve it! "

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#SoftwareAdvice___4524692)

James A.

Data analyst

> "I have enjoyed working with Microsoft Dynamics 365 Business central ,it's easy to use and the APIs which have..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___3689463)

CM

Carlene M.

Accounts Payable

> "Not enough character spaces in some fields. "

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#SoftwareAdvice___3483671)

RV

Remco V.

CCO

> "We like the outlook integration best."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4982567)

VR

Verified Reviewer

Freelancer

> "There are also some times where it lags and is a bit slow which makes it really irritating."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___2830338)

NK

Nabapallab K.

Sr. Manager Information Technology

> "I am having my life's pathatic experiance by purchasing this software by this product value I might had better..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___3730464)

VR

Verified Reviewer

Freelancer

> "Some of the features as well are a bit complicated and irritating to use."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___2830338)

Jose Julian C.

Geologist

> "Overall, Business Central is a good option for companies that want to streamline their processes and increase..."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___4771425)

SG

Shauna G.

C SManager

> "The format is not great for users that aren’t tech savvy."

[See full review](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/#Capterra___2680417)

[View Reviews](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/reviews/)

## User interface

4.40 (3,290)

[Dynamics 365 Business Central](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/)

4.08 (204)

## 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

Xero

Top features

39/45

-   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)

Dynamics 365 Business Central

21/45

-   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/212111/Dynamics-365-Business-Central/#features)

### Recognition

Xero is recognized as a top-rated tool in 4 Capterra Shortlist reports

Dynamics 365 Business Central is recognized as a top-rated tool in 2 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

Dynamics 365 Business Central

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

Dynamics 365 Business Central

-   By Microsoft
-   Located in United States
-   Founded in 1975

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[Dynamics 365 Business Central](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/)[4.08 (204)](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/reviews/)

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Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/184581-212111/Asana-PM-vs-Dynamics-365-Business-Central)

[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)

[Dynamics 365 Business Central](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/)[4.08 (204)](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,035)](https://www.capterra.com/p/135757/NetSuite/reviews/)

$8/month

Price

Contact vendor for pricing

4.0

Features

4.2

3.7

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135757-212111/NetSuite-vs-Dynamics-365-Business-Central)