# Compare Xero vs Tipalti 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Xero and Tipalti based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/120109-236980/Xero-vs-Tipalti --- # Xero vs Tipalti 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: XeroTipalti2/4 selected [Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) [Tipalti](https://www.capterra.com/p/236980/Tipalti/)[4.6 (174)](https://www.capterra.com/p/236980/Tipalti/reviews/) [## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,292)](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 [3,292 reviews](#user-reviews) Positive 2,893 Neutral 239 Negative 160 [## Tipalti](https://www.capterra.com/p/236980/Tipalti/)[4.6 (174)](https://www.capterra.com/p/236980/Tipalti/reviews/) Starting Price $99.00/month Value-for-Money 4.5 Functionality 4.4 Ease of Use 4.5 Customer Service 4.5 Reviews Sentiment Based on [174 reviews](#user-reviews) Positive 164 Neutral 6 Negative 4 ## 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 5,566 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 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 72%Fit Not enough reviews Feature ratings Accounting 5.0 Financial Management \-- Bank Reconciliation 4.4 Invoice Processing 4.4 Billing & Invoicing 4.6 User satisfaction User satisfaction 4.4 User reviews[3,292](https://www.capterra.com/p/120109/Xero/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.2 Customer support 4.0 User satisfaction 4.6 User reviews[174](https://www.capterra.com/p/236980/Tipalti/reviews/) Ease of use 4.5 Functionality 4.4 Value for money 4.5 Customer support 4.5 Price starts from Price starts from $25Flat Rate, Per Month - Free version - Free trial Price starts from $99Flat Rate, 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 We help multi-entity & global business companies streamline complex payables & employee expenses. We help eliminate 80% of the manual tasks in accounts payable, outbound payments & expense 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..." [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..." [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..." [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..." [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..." [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) 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) 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) 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) 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) 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 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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..." [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) NH Natalie H. Partner and co-founder > "It's a little annoying when you've missed putting in the due date and it doesn't allow you to proceed, sometimes for the small business we don't need the due date, just add..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6346121) 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) 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) TVW Tim Van W. Senior Project Supervisor > "Xero has great budgeting and expenses control features that assist us in crafting budgets for our projects and monitoring the expenditure to ensure it remains within the..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6540687) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) DE Daryl E. Consultant > "Advertising plastered on the UI making the book keeper's job harder than it could be." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) Samuel L. Mortgage Loan Officer > "Xero provides a sleek and simple interface that has enabled us to set up our loans and mortgages as either bank accounts or non current liability account, allowing for..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) 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) 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) 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 > "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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) HA Haithem A. NA > "The way it is built to make it easier to search of clients and invoices, great way of ammending invoices" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6819344) 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/) SS Sonny S. AP MANAGER > "The system significantly reduces manual effort by automating accounts payable workflows, tax compliance, and global payment..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7107129) James L. Director of Finance > "The reporting of bills in the system and schedule of payments is confusing, the payment process is not always reliable like..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7069387) VR Verified Reviewer Accouting Manager > "Our business deals with commissions in various currencies, like USD and Euros, and having a platform that allows for automated..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7038788) MC Maira C. Accounting Manager > "Tipalti does not offer that functionality, so we have to export the transactions to Excel, attach them to our legacy approval form,..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041457) SS Sarah S. SVP, Finance and Administration > "The software UI is sleek and has a modern feel, with plenty of drill-down links between transactions and related tables. As they..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7013858) SS Sarah S. SVP, Finance and Administration > "Duplicated some functions of our ERP (Acumatica), and couldn't have Tipalti import coded AP forms from Acumatica." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7013858) VR Verified Reviewer Accouting Manager > "One of the things I really appreciate about Tipalti is how it centralizes and simplifies our payment processes, especially with..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7038788) MK Mathew K. Senior Finance Manager > "No OCR technology to read if no PO number on invoice and send back notification to supplier if PO number is missing" [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6676613) EB Erin B. Controller > "It has been generally positive in regards to accomplishing the goal of automating manual billing/collections and payment workflows..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7077811) SS Sarah S. SVP, Finance and Administration > "Not easily adaptable for self-service AP submission by large number of non-accounting dept. users." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7013858) LC Lana C. Accounts Payment management > "Tipalti is helping us centralize and streamline our accounts payable processes, which has improved visibility and reduced manual..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7019707) TL Trey L. VP > "The main drawback right now is a limitation in the approval workflow for corporate card spending." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7039090) DM Diether M. Senior Accounting Manager > "It automates invoice processing, eliminating manual spreadsheets, reducing errors, and ensuring compliance." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7034318) MC Maira C. Accounting Manager > "The expense module is not flexible enough for organizations with roaming employees." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041457) LC Lana C. Accounts Payment management > "I really appreciate how everything is centralized, from vendor onboarding to invoice tracking, which helps eliminate manual work and..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7019707) Kirsten C. Accounting Manager > "As an appliance distributor, we have a lot of returns - damaged goods from vendors, recalls, and customers' changed minds." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6670141) EB Erin B. Controller > "I also like the ability to handle international payments, using ACH or other methods." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7077811) MC Maira C. Accounting Manager > "I spent many late nights reading manuals and testing imports because the hands on guidance we expected never really happened." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041457) AG Annie G. Sr. Accountant > "Tipalti is a global vendor payment platform that supports multiple currencies for our company as well as purchase orders." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6658736) Kirsten C. Accounting Manager > "I have many vendors that are paid via auto-withdrawals and credit memos are not supported." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6670141) MB McCabe B. Director of Strategic Finance > "Ability to have vendors self-onboard, then process and pay bills in one platform has been value add." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7033362) MC Maira C. Accounting Manager > "The team assigned to us was fairly new and did not have the depth of product knowledge needed for a $4.5B institution." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041457) MC Maira C. Accounting Manager > "sensitive content hidden\]’s collaboration with the engineering team and her willingness to bring us into pilots has given us hope..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041457) MK Mathew K. Senior Finance Manager > "Laggy - flicking between procurement and bills is too slow - not a robust platform" [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6676613) VR Verified Reviewer VP of Marketing > "For team who use it to approve invoices, it is nice to be able to see previous invoices." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041407) BB Ben B. Director > "It can be expensive for an SMB and a lot of the functionality isn't used." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6483991) VR Verified Reviewer Accouting Manager > "Before Tipalti, managing payments through Wells Fargo was cumbersome, but now we can handle payments more efficiently." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7038788) NT Nick T. Assistant Property Manager > "Depending on the size of your business, this product might seem expensive or some of the features might go unused." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6609917) VR Verified Reviewer Accouting Manager > "It’s also a bonus that the platform is user-friendly, so once things are set up, it’s straightforward for our team to execute..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7038788) BC Britaney C. AP AR specialist > "Much of the report is lacking and much of UI leaves much to be desired." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6686811) DM Diether M. Senior Accounting Manager > "This has improved our efficiency and scalability, allowing the finance team to focus on strategic work." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7034318) MK Mathew K. Senior Finance Manager > "It's been a disappointing experience so far, however I hope our feedback is taken seriously and the product rapidly improves before..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6676613) VR Verified Reviewer VP of Marketing > "It could be expensive for a small or start-up company, but good for a mid-sized company that deals with a lot of suppliers." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041407) CS Chris S. Consultant > "It can be hard to navigate and login sometimes." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6503810) JL Jose L. Corporate Controller > "This platform streamlined the P2P process at my Company, resulting in faster close and better reporting." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6671029) AS Anjum S. Head of Finance > "Lack of active chat system." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6716993) LC Lana C. Accounts Payment management > "The team at Tipalti has been very responsive whenever we’ve had questions or needed help, even offering guidance on NetSuite-related..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7019707) BC Britaney C. AP AR specialist > "Tipalti doesn’t seem to have been created with accountants in mind." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6686811) DM Diether M. Senior Accounting Manager > "The Netsuite integration provides real-time accuracy." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7034318) SN Sarah N. Workplace Experience Manager > "So maybe more alerts/notifications when something gets denied especially in regards to payment processing as that is the main reason..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___4526986) MC Maira C. Accounting Manager > "Tipalti has definitely brought us into a more modern environment and given us better control over compliance." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041457) Kentall S. Sales And Marketing Associate > "They offer limited customer service and support, which can be frustrating for users who need help with their payments." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___4752307) LC Lana C. Accounts Payment management > "Overall, it’s helping us stay organized, save time, and focus on more strategic tasks." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7019707) VP Vilim P. AP Manager > "One of the issues is reporting as Tipalti provide only hand full of standard reports." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___3865248) SH Sameh H. Finance Manager > "I love using Tipalti, it has effectively replaced an army of AP clerks into an automated tool, its easy to use has great features..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6719023) CJ Chuck J. Label Exec > "I do not recommend this company and really wish DistroKid switches to another company." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6193165) MC Maira C. Accounting Manager > "They are proactive, communicate well, and do everything they can to keep our system running and improving." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041457) MO Mattias O. Finance Director & Controller - EMEA > "Not able to have attachment for credit memos sync from Tipalti to Intacct. " [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2891493) KW Kelley W. Accounting Manager > "We have implemented bill approvals with keeps us compliant as well as everyone accountable for their budget." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6718058) EK Eugene K. Treasury Manager > "It is impossible to have multiple balances (USD, EUR, GBP etc.)." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2894846) YD Yunhan D. Strategic Accounting Analyst > "Tipalti is a great AP system that allow us to keep our bills in one place." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6724744) BS Brandelle S. Payment Specialist > "Once you create an invoice , it is very hard to make changes on it .Often" [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___3077556) DM Denise M. Staff Accountant > "Hopefully I can improve my own process." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7120216) DB Dina B. VP FP&A > "Approvals by email, lack of visibility into available budgets and not being able to know your Budget status on the spot created a..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2486318) VR Verified Reviewer Accouting Manager > "Another standout is the level of support and communication from the Tipalti team." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7038788) BY Bronson Y. Accounting Manager > "We had a ton of issues with our connection between Teampay/Tipalti/Netsuite." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___3216968) SC Shadia C. Director of Accounting > "Implementation was awesome, go-live was simple, and the support team has been super responsive!" [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7022273) DB Dina B. VP FP&A > "Our previous attempts to implement requisition/procurement solutions failed either due to the over-complexity of the widely familiar..." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2486318) MM Marco M. IT Manager > "The software has enhanced budgeting and forecasting." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6633399) EK Eugene K. Treasury Manager > "The fees for currency conversion are high." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2894846) LM Latoria M. Singer Songwriter > "I loved that Tipalti made it easier to receive payments from my distributor while protecting my personal information." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6726250) AC Ana C. Accounts Payable Manager > "The initial uploads created several duplicate vendors and not all invoices uploaded properly." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2191973) AB Abhi B. Trusted Media Brands > "he system is easy to navigate and I am able to download the reports that I need." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6827725) PB Peleg B. Professional Services Associate > "The feature I lacked most was automated file uploading." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2295102) PC Pamela C. Client Manager > "Cloud based, helps streaming line payment process." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___6533183) JS Josh S. Accounting Manager > "If a vendor is not payable, it can sometimes be difficult to understand the cause." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2477950) MC Maira C. Accounting Manager > "The biggest positive in our experience has been the ongoing support from \[sensitive content hidden\] (Customer Success Manager) and" [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7041457) EN Ewa N. COO > "I often ended up having to write to support as finding information in the help articles was tiresome." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2477860) MB McCabe B. Director of Strategic Finance > "UI is very new age and easy to use, making the learning curve smaller for the team." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___7033362) AC Ana C. Accounts Payable Manager > "The implementation was not as smooth and seamless as we would have liked." [See full review](https://www.capterra.com/p/236980/Tipalti/#Capterra___2191973) [View Reviews](https://www.capterra.com/p/236980/Tipalti/reviews/) ## User interface 4.40 (3,292) [Tipalti](https://www.capterra.com/p/236980/Tipalti/) 4.55 (174) ## 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 Xero 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 - Process/Workflow Automation - 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 Management [See all features](https://www.capterra.com/p/120109/Xero/#features) Tipalti Top features 43/47 - 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 - Process/Workflow Automation - 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 Management [See all features](https://www.capterra.com/p/236980/Tipalti/#features) ### Recognition Xero is recognized as a top-rated tool in 4 Capterra Shortlist reports No recognitions have been awarded to Tipalti ### 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 Tipalti 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 Tipalti - By Tipalti - Located in United States - Founded in 2010 ## Popular Comparisons [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,445)](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) [Tipalti](https://www.capterra.com/p/236980/Tipalti/)[4.55 (174)](https://www.capterra.com/p/236980/Tipalti/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,445)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $99/month Price $38/month 4.4 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/190778-236980/QuickBooks-Online-vs-Tipalti) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,638)](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) [Tipalti](https://www.capterra.com/p/236980/Tipalti/)[4.55 (174)](https://www.capterra.com/p/236980/Tipalti/reviews/) vs [Stampli](https://www.capterra.com/p/147301/Stampli/)[4.82 (463)](https://www.capterra.com/p/147301/Stampli/reviews/) $99/month Price Contact vendor for pricing 4.4 Features 4.7 4.5 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/147301-236980/Stampli-vs-Tipalti) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](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) [Tipalti](https://www.capterra.com/p/236980/Tipalti/)[4.55 (174)](https://www.capterra.com/p/236980/Tipalti/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,638)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $99/month Price $2210/year 4.4 Features 4.4 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-236980/QuickBooks-Enterprise-vs-Tipalti) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,559)](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) [Tipalti](https://www.capterra.com/p/236980/Tipalti/)[4.55 (174)](https://www.capterra.com/p/236980/Tipalti/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](https://www.capterra.com/p/135757/NetSuite/reviews/) $99/month Price Contact vendor for pricing 4.4 Features 4.2 4.5 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-236980/NetSuite-vs-Tipalti) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) vs [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.29 (684)](https://www.capterra.com/p/76/Intacct/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-120109/Intacct-vs-Xero) [Tipalti](https://www.capterra.com/p/236980/Tipalti/)[4.55 (174)](https://www.capterra.com/p/236980/Tipalti/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,559)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) $99/month Price $1922/year 4.4 Features 4.3 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/212058-236980/QuickBooks-Desktop-Pro-vs-Tipalti) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,042)](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) [Tipalti](https://www.capterra.com/p/236980/Tipalti/)[4.55 (174)](https://www.capterra.com/p/236980/Tipalti/reviews/) vs [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.29 (684)](https://www.capterra.com/p/76/Intacct/reviews/) $99/month Price Contact vendor for pricing 4.4 Features 4.2 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-236980/Intacct-vs-Tipalti)