# Compare Xero vs Plooto 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Plooto and Xero based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/120109-225025/Xero-vs-Plooto --- # Plooto vs Xero Features and Cost Comparison Last updated July 11th, 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: PlootoXero2/4 selected [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.3 (243)](https://www.capterra.com/p/225025/Plooto/reviews/) [Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) [## Plooto](https://www.capterra.com/p/225025/Plooto/)[4.3 (243)](https://www.capterra.com/p/225025/Plooto/reviews/) Starting Price CA$32.00/month Value-for-Money 4.2 Functionality 4.2 Ease of Use 4.5 Customer Service 4 Reviews Sentiment Based on [243 reviews](#user-reviews) Positive 212 Neutral 19 Negative 12 [## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) Starting Price $25.00/month Value-for-Money 4.2 Functionality 4.3 Ease of Use 4.4 Customer Service 4 Reviews Sentiment Based on [3,307 reviews](#user-reviews) Positive 2,906 Neutral 239 Negative 162 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 5,810 reviews from accounts payable 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 69%Fit Missing features Feature ratings Accounting 4.8 Financial Management NA Bank Reconciliation 3.8 Invoice Processing 3.9 Billing & Invoicing 4.2 88%Fit High performer Feature ratings Accounting 4.6 Financial Management 4.5 Bank Reconciliation 4.5 Invoice Processing 4.6 Billing & Invoicing 4.6 User satisfaction User satisfaction 4.3 User reviews[243](https://www.capterra.com/p/225025/Plooto/reviews/) Ease of use 4.5 Functionality 4.2 Value for money 4.2 Customer support 4.0 User satisfaction 4.4 User reviews[3,307](https://www.capterra.com/p/120109/Xero/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.2 Customer support 4.0 Price starts from Price starts from CA$32Flat Rate, Per Month - Free version - Free trial Price starts from $25Flat Rate, Per Month - Free version - Free trial Best for Best for Ideal for small businesses and accountants, Plooto is the fastest way to manage business payments - saving you hours on your accounts payable and receivable processes like credit card payments. 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 RP Ryan P. Lead Designer > "I like that Plooto is designed specifically to automate accounts payable and receivable workflows, allowing businesses to send..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7108886) RP Ryan P. Lead Designer > "One of the biggest limitations is that Plooto doesn’t replace accounting software." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7108886) CS Chloe S. Bookkeeper > "It integrates well with QuickBooks, keeps everything neat and tidy." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7160978) SB Steve B. COO > "Slow money transfers, cannot transfer money from one currency to another, cost per transaction is more than major e-commerce bank..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6630672) SM Sam M. pres > "makes paying bills a breeze, would be nice if Plooto could show the bill payment batches in the Completed Payments instead of..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6712362) BK Bridgette K. owner > "The only con is that my account was deactivated without notice." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7020996) AN Amir N. Controller > "Intimation to the vendors, through email about the payment details is a great feature." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7064884) BK Bridgette K. owner > "I attempted to reach out to customer support, but did not receive a response." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7020996) BZ Beckett Z. Senior Accountant > "Stream the payment process, the approval is automatic, and send the Email to inform the process is excellent." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6584576) AC Alan C. Executive Director > "This persistent problem, reported to Plooto, introduces additional delays, requires extra confirmation of hand-offs, and disrupts..." [See full review](https://www.capterra.com/p/225025/Plooto/#SoftwareAdvice___6040955) BZ Beckett Z. Senior Accountant > "Overall, I am satsified with the Plooto, if the payment can be categorized into different kinds, it will be more valable" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6584576) VR Vickey R. Owner > "My clients had to jump thru a lot of hoops to get the reoccurring payments set up and some were not happy about it =( I had PAD..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4912394) AN Amir N. Controller > "Plooto integration with the QuickBooks online is easy to use & navigate." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7064884) JJ Jaykumar J. System Engineer > "Not a mobile app and integration facility" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6657550) SF Sarah F. Office Manager > "So far we are content with the payables portion." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6856881) VR Vickey R. Owner > "So I have several clients that I cannot process their payments in Plooto even tho I have a PAD agreement with them and they have..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4912394) HL Hunter L. Owner > "Easy to export and schedule payment from quickbooks." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6762742) CH Colette H. Piano Teacher Owner Director > "Cannot do credit card refunds without going through customer service." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6340505) DS Desmond S. Administration > "Reasonably easy to set up, and payments are reliable." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6851742) AC Alan C. Executive Director > "Plooto's support has provided an unsatisfactory response, dismissing the issue as not within their purview." [See full review](https://www.capterra.com/p/225025/Plooto/#SoftwareAdvice___6040955) VR Vickey R. Owner > "I am saving over $100 per month in processing fees since I switched to Plooto and once I got past the "set up" stage." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4912394) JG Joanna G. Hotel posta > "Can be difficult to use for advanced tasks" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6031070) CW Chad W. CAO > "Plooto has provided a good venue for transactions to be completed in a timely and effective way. " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6014697) NL Noah L. Senior Financial Analyst > "Some vendors can be skeptical to enter banking details into a third party payment processor." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3800809) CH Colette H. Piano Teacher Owner Director > "Great filters to search through past payment history." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6340505) VR Verified Reviewer General Manager > "there is no payroll integration which slows down the payment and reconciliation process considerably." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3389397) AC Alan C. Executive Director > "The interfaces are clean and the functionality with the software is very solid." [See full review](https://www.capterra.com/p/225025/Plooto/#SoftwareAdvice___6040955) SR Steven R. Owner > "My monthly Plooto bill was between $3-$7 per month. When Plooto switched to $25 per month with 10 transactions included, it did..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569383) PS Pauline S. Accounting supervisor > "great, their customer support is reliable as well and i find the software very reliable in payment processing" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6113633) AC Alice C. Founder and Clinical Director > "I don't like that I can't pay my monthly subscription with a credit card." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3419927) DM Daianne M. Business Operations and Support Manager > "I want to express my appreciation for the user-friendly interface of the platform." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4918983) RP Rebecca P. Client Service Representative > "One of the only things I find a drawback is how long it takes for funds to transfer. " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3593187) MW Melissa W. Chief Financial Officer > "The best features of Plooto include the ability to send contactless payments to vendors at anytime in (almost) any amount." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3424032) BB Bernard B. President & CEO > "I had one billing issue where I released the payment before the product expiry, but they did not make the payment because the..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2571335) NL Noah L. Senior Financial Analyst > "Customer service is right at your finger tips and gives almost immediate help through their chat feature." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3800809) VR Verified Reviewer Manager > "E-transfers do not require giving up your password, and I refuse to compromise my security." [See full review](https://www.capterra.com/p/225025/Plooto/#GetApp___3303621) KH Kelly H. Administrator > "The platform is very simple and saves time!" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4964631) KW Krista W. Partner > "Sometimes payments need to be submitted by credit card or paper check and we cannot use the system for tracking approval for..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569422) GA Gillian A. Musician, Graphic Design > "Ease of use and payments are received quickly." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___5008533) AE Ali E. IT & Operations > "Unfortunately, there isn't a way to remove these for security reasons." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3389612) JG Joanna G. Hotel posta > "I like the fact that it is easy to set up" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6031070) EB Edgar B. Founder > "The cross border receivables are extremely limited, the amount is too low to collect receivables across the border. " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557043) AE Ali E. IT & Operations > "The integration with Xero and reoccurring PAD setups are great time saving features." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3389612) CE Chris E. Lead Client Advisor > "I think there are some flaws with the software regarding international wire transfers as well as with the tier set up that need..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2576044) Isaac S. Implementation Specialist > "Plooto has made it very easy and simple to help my clients organize their A/P. As my clients process dozens of transfers on a..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557398) MB Mattias B. President > "Only issue has been with my integration with quickbooks had a few glitches at the beginning with international currency." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556847) ZK Zak K. Executive Director > "The additional approval workflow features are great for scaling up and delegating Accounts Payable and setting limits on payment..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556824) JA Jay A. Controller > "I had a failed transfer attempt and it took well over a month and multiple emails to get my money put back in my account." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556859) MA Michele A. Office Administrator > "The company \[SENSITIVE CONTENT\] likes how I can enter all the accounts payable and he can simply approve the payment." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3363571) GP Genna P. Director of Finance > "I can’t say I have enough experience with all its features to list any cons at this point." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3390903) NL Noah L. Senior Financial Analyst > "It is very easy to use and syncs perfectly with QuickBooks Online." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3800809) AM Audrey M. Owner > "I can't get a hold of my original contact and requesting support through the online request has yet to produce a response." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556878) AC Alice C. Founder and Clinical Director > "I appreciate being able to pay my vendors without having to worry about e-transfer daily limits etc." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3419927) KM Kartik M. Accounting Manager > "I can only enter in a maximum of 20 recurring payment the client support team cannot help us in a timely manner." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569461) JS Janet S. Managing Director > "Easy use with batch entry when we only process payables once a month. But can always do the one-offs very easily too." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3363293) AD Andy D. President > "I have been struggling to get the PAD setup for my customers and find it hard to not have access to telephone customer support. " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2577983) DS Dorinda S. Executive Director > "I think the best feature is that payments are very clear with the invoice attached as well as pathway and dates for the payment..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557080) NP Norris P. Vice President > "A third was abandoned because the \[SENSITIVE CONTENT HIDDEN\] became frustrated with the setup process and subsequent delay in..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2581965) Bailey F. CEO > "I've been using Plooto for a little under a year now and it is incredible, it sync's directly with quickbooks and allows me to..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569891) GS Geeshan S. President > "Only Canada/USA currently supported, as we are international we are unable to process orders with banks outside of Canada/USA." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569328) AM Audrey M. Owner > "With QuickBooks Online and Plooto integration it saves me a lot of time processing payments and recording the transactions." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556878) RW Ron W. Owner > "This often leads to mistakes if there are large volumes and a busy schedule, sometimes resulting in double payments ." [See full review](https://www.capterra.com/p/225025/Plooto/#GetApp___2869897) DM Diana M. Bookkeeper > "Supporting associations with multiple signatories this has been a world of difference in my process flow and the quality and..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2559527) Steven D. Head of Product + Operations > "There was some confusion, lack of clarity, and delays in payments that we couldn't do anything about after submitting payment." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2798154) RV Rini V. Junior Accountant > "The QB integration is really helpful for us, it makes it easy for us to pull AP and the fact that invoices are attached in the..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557194) HY Heather Y. Principal > "We still have issues with some vendors not being serviced by Plooto, e.g. credit card companies." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569350) SB SARA B. Owner > "I was happier when it was a flat $1 fee per ACH, I'm now paying much more per transaction due to the flat $25 per month fee and..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569400) JR Josh R. President > "The fees often hit wrong chart of accounts and requires manual adjustments on occasions." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2575847) Maddie T. System Administrator > "Approval control, user-friendliness, and affordability are all things we like." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3542700) GS Geoffrey S. President > "Worst feature change was from transaction cost to minimum monthly fee." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2570035) MA Michele A. Office Administrator > "The overall experience has been great. When I have reached out to support my issues have always been resolved, although it may..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3363571) DG Daniel G. Owner > "but when they added a monthly fee on top of the pay-per-use model I stopped using it." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2573509) CC Carmen C. Accountant > "I love how it automatically records into quickbooks on the day of the transaction so there isn't a disrepancy when I look at the..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557414) RS Reg S. Owner > "We were led to believe Plooto offered a credit card service that apparently they once offered but have since dropped." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2581866) Bailey F. CEO > "The flat-rate fee is a game-changer for me, and means I don't have to pay Stripe's 2.9% transaction fee every time." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569891) RW Ron W. Owner > "Plooto does not import credit amounts resulting in overpayments." [See full review](https://www.capterra.com/p/225025/Plooto/#GetApp___2869897) VR Verified Reviewer General Manager > "Integrates well with QB online." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3389397) Bailey F. CEO > "Payment times can be anywhere from 3 - 7 days which is a little slow." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569891) RD Riley D. CFO > "It integrates perfectly with our Xero accounting system and makes payments seamless." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556923) LD Laura D. Owner > "That you can’t use your credit card to pay for bills." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556881) [View Reviews](https://www.capterra.com/p/225025/Plooto/reviews/) RR Rebecca R. Production manager > "I also appreciate the cloud-based access, which allows me to manage accounting from anywhere, along with the seamless bank integrations that help save time and keep records..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7155119) DT Danielle T. AP, AR, Payroll > "When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7107297) NC Nikki C. permit technician > "What I like most about Xero is its clean, easy-to-use interface and automation features, especially bank reconciliation and invoicing, which save time and make managing finances..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) BN Bill N. Senior Financial Accountant > "Reporting and workflows aren’t very flexible like some other larger ERP systems, which can be frustrating especially as our company grew in size and required more advanced and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) NC Nikki C. permit technician > "It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) HL Hikmet L. Medical Assistance Specialist > "Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7100283) VR Verified Reviewer Treasury Accountant > "The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) AB Andrew B. Owner > "There was no phone support option available, and I couldn’t even properly access my own account to manage the cancellation until I enabled two-factor authentication." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7154928) NK Navpreet K. Manager and CPA > "I really like its clean and easy-to-use interface, which makes invoicing, expense tracking, payroll, and bank reconciliation simple to manage." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7154223) VR Verified Reviewer Treasury Accountant > "I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) JL John L. CEO > "Xero has become a standard tool I use to understand my business performance since incorporation and a tool I believe I will continue to use at least until my business scales to..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) DE Daryl E. Consultant > "Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) Craig H. General Manager > "I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038677) DE Daryl E. Consultant > "This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) AL Amber L. Discharge Planner > "Xero has a mobile application that allows me process patient payments during discharge in my organization as well as creating invoices automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7002100) Bryce M. Founder > "I am upset by having to look for an alternative solution in the middle of my work month after stumbling on this and seeing no effort to rectify from xero's side or justification..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7091869) JL John L. CEO > "It takes times to understand and know if an accounting service provider is giving you what you need and the onboarding process did exactly this for me and my business. Once I had..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MH Martin H. Payroll Manager > "Sometimes I need to wait for a while before my authentication code comes through, delaying my login." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7102201) AF Amanda F. Licensed Real Estate Broker > "I mainly use Xero since it has an iOS mobile application that allows me to streamline online accounting processes from anywhere." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) AF Amanda F. Licensed Real Estate Broker > "However, some features allocated by Xero aren’t robust enough which forces me to integrate with external Apps, for instance inventory management tools." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) BN Bill N. Senior Financial Accountant > "Its wide range of integrations also allowed us to build a connected, scalable finance system with minimal effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) LC Laura C. Administration Manager > "There have been some occasional reliability issues, with updates sometimes taking a day or two after the incident to be communicated by their support team." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7160982) JP John P. Transport Broker > "The dashboard is exceptionally clean, and it provides me with a brief overview of unpaid invoices and cash flow." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) KP Kelly P. Manager > "Cannot connect to CAF Bank which makes being a charity very difficult when doing the banking element" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7147951) VR Verified Reviewer Treasury Accountant > "I’ve found the bank reconciliation feature especially efficient, it automatically matches transactions and significantly reduces manual effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) RD Rudo D. Accountant > "They increase prices so often and they sometimes do not offer discounts when you have multiple companies" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7174279) JL John L. CEO > "At the moment this is just me as a solo founder, I would love if Xero could also facilitate this transition for scaling businesses with a scale up or expansion onboarding aspect..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MK Michal K. IT engineer > "The only disadvantage so far is that sometimes it is hard to find some reports, for example remittance advise" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7080651) DM Dasha M. Consultant > "We are a small nonprofit without a formal accountant and were able to set up our business and run reports in ways that are simple but useful." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7134499) CG Cecilia G. Administration > "Xero’s subscription tiers have increased in cost, which can become expensive for users." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7157251) JM Jesse M. Senior Accountant > "The bank reconciliation feature works well enough for our needs and saves a lot of time compared to our old system." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7125220) EC Eric C. Engineering Manager > "Missing two features that our previous system could support - detailed export to .csv, and also we started to run into issues past 100 employees." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6748194) VR Verified Reviewer Treasury Accountant > "Overall, it strikes a good balance between usability and functionality, especially for small to mid-sized businesses looking for a reliable, cloud-based accounting solution." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) DE Daryl E. Consultant > "I dread having to make changes to quotes and invoices because bugs in the UI are so common." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) EB Emma B. Financial Controller > "It has many different functions and capabilities which speed up reconciling and customisable reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084871) RG Rishi G. Software Engineer > "I do dislike how often I get logged out of Xero once I close the tab." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) NS Natalie S. Senior immigration Advisor > "Xero offers 30 days for trial where you're able to explore all features of this tool and you are able to learn how it's feature can be used for accounting." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7060176) JP John P. Transport Broker > "Bank feed links are sometimes broken automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) RG Rishi G. Software Engineer > "The calendar helps me track who owes me money and I am just glad I can finally see the dates." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) CB Chris B. Owner > "Not sure which demographic will be lazy enough to not do books the old way, but also not tech savvy enough to make a small stack solution, which would be more seamless than this." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) Samuel L. Mortgage Loan Officer > "It has helped us avoid discrepancies in financial reports and tax returns by correctly recording and categorizing all our transactions including repayments and interest." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) Adrien J. CEO > "Bank integration does not work as advertised." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7109271) MW Matt W. Founder and Director > "If fully utilised Xero is a very powerful business tool that can encapsulate everything financial - from integrated stock systems and product costing, to sales tracking and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6494302) MM Melanie M. Treasurer > "The UI is a tiny bit clunky--most notably the "check writing/entering" functionality comes to mind. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6874464) EH Erin H. Google Ads Specialist > "I like how I can reconcile transactions in Xero from my bank feeds and set up recurring bills -- so I do not have to stress / waste time searching through everything and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6778974) CW Christine W. Accounts > "It is not easy to transfer data from one entity to another entity, even basic information has to enter these manually." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871687) Rodrigo T. Director of Cyber Security > "Xero is an excellent tool that has allowed me to manage my department's expenses in a transparent and orderly way in simulation projects, prevention exercises and detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) RG Rishi G. Software Engineer > "Then I have to sit through another annoying OTP code to get back into my account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) TVW Tim Van W. Senior Project Supervisor > "Xero has great budgeting and expenses control features that assist us in crafting budgets for our projects and monitoring the expenditure to ensure it remains within the bounds..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6540687) NH Nina H. Hr Manager > "It isn't easy to calculate holiday in the same way as HR software." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7111292) GN Grace N. Volunteer > "Xero automates over 78% of manual repetitive accounting tasks such as AP,AR and GL which saves time and improve productivity leading to high performance and ROI." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6580047) RT Rachel T. Accounts Administrator > "Lately there have been some software issues which slowed things down, but these happen rarely. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7152161) Rodrigo T. Director of Cyber Security > "It allows me to manage my department's accounting in real time, giving me a clear and up-to-date visualization of expenses." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) JB John B. Treasurer > "For example, Xero can not suggest an annual budget based on prior year spending." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6857537) DS Dilak S. Senior Experience Designer > "Xero simplify accounting processes by automating workflow such as paying vendors, billing, invoicing and payments matching." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6505945) FS Faizan S. Payroll Manager > "It can be somewhat stagnant at times in terms of the lack of colour and user interface." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881268) JP John P. Transport Broker > "All loads of the general Tracking margins may be a pain, and this tool makes the accounting process easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) DE Daryl E. Consultant > "Advertising plastered on the UI making the book keeper's job harder than it could be." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) CB Chris B. Owner > "The color of the logo is pleasing, the font on the website is very readable, design schemes show that this company paid visual design artist." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) LR Lisa R. Office manager > "The reason I originally did not use Xero was because our bank does not connect with Xero. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7028182) Samuel L. Mortgage Loan Officer > "Xero provides a sleek and simple interface that has enabled us to set up our loans and mortgages as either bank accounts or non current liability account, allowing for detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) Richey J. General Manager > "Some aspects of payroll aren't equipped for specialist HR requirements." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881639) MG Mike G. Project Manager > "You have the ability to create a quote, add your own notes and narrative, save templates, and convert quotes into invoices, all going directly to the customer and requesting them..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6559041) Debbie M. Owner > "It does not offer good value for money compared with competitor products, and customer support is not available by telephone." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7072510) CS Chloe S. Bookkeeper > "Xero is good for bank account reconciliation when it syncs with your account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7160977) AB Abhishek B. Executive- Sales and Procurement > "Sometimes there are delays with customer service support which slightly hampers the experience of smooth workflow in case of techncial issues." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6452605) Samuel L. Mortgage Loan Officer > "It provided us with realtime updates of our financial aspects which help inform our clients and accurately process all their transactions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) TE Timothy E. Owner > "They say that they can convert your old Quickbooks file to xero but after starting the process they turn around and say they couldn't do it." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6433289) JL John L. CEO > "Xero onboarding and low cost entry point for start-ups and first time users give the perfect opportunity to validate the value of this platform." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) RH Russ H. Director > "The reports seem a little bit more difficult to work out if you do not know the correct accountancy term but you can normally work it out without too much hassle." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6818770) PM Preeti M. AVP > "There are so many search options and shortcut methods like cash coding and uploading bulk journals and credit notes in CSV are available, which make the life of accountant very..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6460055) WJ Will J. Director > "Good initially, but I had a lot of issues with square integration and the cost got too high in the end." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871639) TS Tom S. Director > "Being able to manage payroll, invoices, banking feeds and tax from one platform is nice." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6856926) SF Stephanie F. Owner > "Not able to talk to a support representative live; having to submit a case means a delay in resolving issues" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6820368) LA Luis A. Process Manager > "It’s a well-thought-out platform that simplifies complex financial tasks and offers a lot of flexibility through its integrations and customization options." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6602914) CC Christine C. Finance > "For report updates I find with updates they become more complex and busy with no way to edit to strip out the unwanted additions. If you have multiple companies/organizations and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___4904840) Rodrigo T. Director of Cyber Security > "It helps me a lot in generating reports with balance sheets and cash flow to reliably assess profitability and make better decisions in the future." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) RV Robert V. Bookkeeper and Owner > "Frequently, you have to tell them to actually read your message carefully so that they realize you have an unexpected problem and don't need a useless "support article". " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6661641) JC Jasmine C. Accountant > "The bank feeds, journals, AP and AR function are all very straightforward and the layout is nice to use." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7136437) VR Verified Reviewer Editor > "Xero does not offer a dedicated phone support line." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038704) [View Reviews](https://www.capterra.com/p/120109/Xero/reviews/) ## User interface 4.34 (243) 4.40 (3,307) ## 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 1099 Preparation 207 Important Accounting 150 Important ACH Payment Processing 120 Important Plooto 30/47 - 1099 Preparation - Accounting - ACH Payment Processing - Activity Dashboard - Aging Tracking - AI Copilot - Alerts/Notifications - Anomaly Detection - API - Approval Process Control - Audit Trail - Bank Reconciliation - Billing & Invoicing - Cash Management - Check Writing - Compliance Management - Customizable Reports - Data Import/Export - Document Management - Duplicate Payment Alert - Electronic Funds Transfer - Electronic Payments - ERP integration - Expense Tracking - Financial Analysis - Financial Management - Fraud Detection - General Ledger - Generative AI - Inventory Management - Invoice Management - Invoice Processing - Mobile Access - Multi-Currency - Online Banking - Purchase Order Reconciliation - Real-Time Data - Receipt Management - Recurring Payments - Reporting/Analytics - Self Service Portal - Status Tracking - Supplier Management - Third-Party Integrations - Vendor Management - Workflow Automation - Workflow Management [See all features](https://www.capterra.com/p/225025/Plooto/#features) Xero Top features 36/47 - 1099 Preparation - Accounting - ACH Payment Processing - Activity Dashboard - Aging Tracking - AI Copilot - Alerts/Notifications - Anomaly Detection - API - Approval Process Control - Audit Trail - Bank Reconciliation - Billing & Invoicing - Cash Management - Check Writing - Compliance Management - Customizable Reports - Data Import/Export - Document Management - Duplicate Payment Alert - Electronic Funds Transfer - Electronic Payments - ERP integration - Expense Tracking - Financial Analysis - Financial Management - Fraud Detection - General Ledger - Generative AI - Inventory Management - Invoice Management - Invoice Processing - Mobile Access - Multi-Currency - Online Banking - Purchase Order Reconciliation - Real-Time Data - Receipt Management - Recurring Payments - Reporting/Analytics - Self Service Portal - Status Tracking - Supplier Management - Third-Party Integrations - Vendor Management - Workflow Automation - Workflow Management [See all features](https://www.capterra.com/p/120109/Xero/#features) ### Recognition Plooto is recognized as a top-rated tool in 2 Capterra Shortlist reports Xero is recognized as a top-rated tool in 1 Capterra Shortlist reports ### Deployment & support Plooto 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 Plooto - By Plooto - Located in Canada - Founded in 2014 Xero - By Xero - Located in New Zealand - Founded in 2006 ## Popular Comparisons [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (243)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) CA$32/month Price $38/month 4.2 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/190778-225025/QuickBooks-Online-vs-Plooto) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $25/month Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/120109-190778/Xero-vs-QuickBooks-Online) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (243)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [Stampli](https://www.capterra.com/p/147301/Stampli/)[4.82 (463)](https://www.capterra.com/p/147301/Stampli/reviews/) CA$32/month Price Contact vendor for pricing 4.2 Features 4.7 4.5 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/147301-225025/Stampli-vs-Plooto) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,659)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $25/month Price $2210/year 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-174984/Xero-vs-QuickBooks-Enterprise) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (243)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,659)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) CA$32/month Price $2210/year 4.2 Features 4.4 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-225025/QuickBooks-Enterprise-vs-Plooto) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/120109-135757/Xero-vs-NetSuite) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (243)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,564)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) CA$32/month Price $1922/year 4.2 Features 4.3 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/212058-225025/QuickBooks-Desktop-Pro-vs-Plooto) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-120109/Intacct-vs-Xero) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (243)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) CA$32/month Price Contact vendor for pricing 4.2 Features 4.2 4.5 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-225025/NetSuite-vs-Plooto) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,564)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) $25/month Price $1922/year 4.3 Features 4.3 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-212058/Xero-vs-QuickBooks-Desktop-Pro) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (243)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) CA$32/month Price Contact vendor for pricing 4.2 Features 4.2 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-225025/Intacct-vs-Plooto) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.44 (1,045)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/) $25/month Price $235/month 4.3 Features 4.4 4.4 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-189398/Xero-vs-QuickBooks-Online)