# FreshBooks, GoCardless vs Xero Comparison

| | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.6 out of 5 | 4.4 out of 5 | 
| **Total Reviews** | 974 | 321 | 1,595 | 
| **Largest Market Segment** | Small-Business (86.4% of reviews) | Small-Business (92.9% of reviews) | Small-Business (71.5% of reviews) | 
| **Entry Level Price** | Starting at $2.30 Per Month | No pricing available | $13.00 Per Month | 

---
## Top Pros & Cons

### FreshBooks

Pros:
- Ease of Use (208 reviews)
- Customer Support (113 reviews)

Cons:
- Invoicing Issues (40 reviews)
- Limited Features (34 reviews)

### GoCardless

Pros:
- Convenience (8 reviews)
- Ease of Use (8 reviews)

Cons:
- Payment Issues (6 reviews)
- Slow Payments (5 reviews)

### Xero

Pros:
- Ease of Use (840 reviews)
- Invoice Management (363 reviews)

Cons:
- Missing Features (314 reviews)
- Limited Options (172 reviews)

---
## Ratings Comparison
| Rating | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
  | **Meets Requirements** | 8.8 (774 reviews) | 9.1 (204 reviews) | 8.7 (1245 reviews) | 
  | **Ease of Use** | 9.1 (876 reviews) | 9.0 (203 reviews) | 8.9 (1285 reviews) | 
  | **Ease of Setup** | 9.2 (474 reviews) | 8.9 (153 reviews) | 8.7 (969 reviews) | 
  | **Ease of Admin** | 9.2 (337 reviews) | 9.0 (140 reviews) | 8.7 (409 reviews) | 
  | **Quality of Support** | 9.2 (721 reviews) | 8.5 (172 reviews) | 8.3 (1150 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.2 (332 reviews) | 9.0 (134 reviews) | 8.6 (403 reviews) | 
  | **Product Direction (% positive)** | 8.7 (768 reviews) | 8.7 (187 reviews) | 8.7 (1214 reviews) | 

---
## Pricing

### FreshBooks

#### Entry-Level Pricing

Plan: Lite

Price: Starting at $2.30 Per Month

Description: For professionals with basic needs

Key Features:
- Send unlimited invoices to up to 5 clients
- Track unlimited expenses
- Send unlimited estimates

[Browse all 4 editions](https://www.g2.com/products/freshbooks/pricing)

#### Free Trial

Yes

### GoCardless

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### Xero

#### Entry-Level Pricing

Plan: Starter / Early

Price: $13.00 Per Month

Description: Good for sole traders, new businesses, and the self-employed.

Key Features:
- Send quotes and 20 invoices
- Enter 5 bills
- Reconcile bank transactions

[Browse all 3 editions](https://www.g2.com/products/xero/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 7.4/10 | 150 |
| **GoCardless** | N/A | N/A |
| **Xero** | 8.1/10 | 355 |

#### Expense Reports

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Ease of Creating Expense Reports** | 8.6 (106 reviews) | Not enough data | 8.6 (219 reviews) | 
| **Bank / Credit Card Integration** | 8.0 (100 reviews) | Not enough data | 8.8 (224 reviews) | 
| **Smart Categorization** | 7.6 (99 reviews) | Not enough data | 8.4 (202 reviews) | 
| **Digital Receipt Management** | 8.1 (98 reviews) | Not enough data | 8.5 (204 reviews) | 
| **Employee Reimbursement** | 7.1 (80 reviews) | Not enough data | 8.3 (184 reviews) | 
| **Currency Conversions** | 7.2 (87 reviews) | Not enough data | 8.1 (184 reviews) | 
| **Credit Card Integration** | 7.9 (90 reviews) | Not enough data | 8.6 (198 reviews) | 

#### Agentic AI - Expense Management

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 8.9 (77 reviews) | 
| **Cross-system Integration** | Not enough data | Not enough data | 9.0 (78 reviews) | 

#### Travel Management

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Ease of Booking** | 6.8 (79 reviews) | Not enough data | 7.4 (162 reviews) | 
| **Itinerary Management** | 6.5 (76 reviews) | Not enough data | 6.9 (154 reviews) | 
| **Trip Notifications** | 6.1 (71 reviews) | Not enough data | 6.6 (152 reviews) | 
| **Advanced Integrations** | 6.5 (72 reviews) | Not enough data | 7.3 (158 reviews) | 

#### Client Invoicing

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Invoice Creation and Delivery** | 9.0 (136 reviews) | Not enough data | 9.0 (207 reviews) | 
| **Electronic Payments** | 8.4 (119 reviews) | Not enough data | 8.6 (185 reviews) | 
| **Project Accounting / Revenue Recognition** | 8.2 (124 reviews) | Not enough data | 8.4 (185 reviews) | 

#### Generative AI - Expense Management

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | Not enough data | 

#### Mobile

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Receipt Capture** | 8.2 (84 reviews) | Not enough data | 8.2 (184 reviews) | 
| **Mileage Tracking** | 6.9 (81 reviews) | Not enough data | 7.3 (157 reviews) | 
| **Travel Itinerary and Flight Status Updates** | 5.6 (73 reviews) | Not enough data | 6.9 (150 reviews) | 

#### Platform

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Embedded AI / Machine Learning** | 6.2 (63 reviews) | Not enough data | 7.9 (143 reviews) | 
| **Complex Approval Workflow** | 6.3 (66 reviews) | Not enough data | 7.9 (144 reviews) | 

#### Administration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **PCI Regulation Compliant** | 7.0 (63 reviews) | Not enough data | 8.2 (137 reviews) | 

#### Administration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Business Tool Integration** | 7.2 (105 reviews) | Not enough data | 8.3 (185 reviews) | 
| **Workflow** | 7.8 (106 reviews) | Not enough data | 8.3 (180 reviews) | 
| **Automated Reminders** | 7.6 (113 reviews) | Not enough data | 8.1 (177 reviews) | 
| **Policy Compliance Management** | 7.2 (103 reviews) | Not enough data | 8.0 (166 reviews) | 
| **User, Role, and Access Management** | 7.9 (111 reviews) | Not enough data | 8.5 (193 reviews) | 

#### Platform

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Reporting** | 8.3 (128 reviews) | Not enough data | 8.8 (217 reviews) | 
| **APIs / Integration** | 7.2 (97 reviews) | Not enough data | 8.3 (172 reviews) | 
| **Internationalization** | 7.0 (94 reviews) | Not enough data | 8.1 (161 reviews) | 
| **Performance and Reliability** | 9.0 (126 reviews) | Not enough data | 9.0 (193 reviews) | 
| **Mobile User Support** | 8.3 (115 reviews) | Not enough data | 8.1 (176 reviews) | 
| **Offline** | 7.0 (99 reviews) | Not enough data | 5.9 (147 reviews) | 

### Accounting

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 8.0/10 | 451 |
| **GoCardless** | N/A | N/A |
| **Xero** | 8.3/10 | 1227 |

#### General Ledger

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Journal Entries** | 8.1 (234 reviews) ✓ Verified | Not enough data | 8.5 (631 reviews) ✓ Verified | 
| **Tags / Dimensions** | 7.8 (228 reviews) ✓ Verified | Not enough data | 8.1 (575 reviews) ✓ Verified | 
| **Audit Trail** | 8.1 (224 reviews) ✓ Verified | Not enough data | 8.4 (592 reviews) ✓ Verified | 

#### Accounts Receivable

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Invoice Customization** | 8.7 (398 reviews) ✓ Verified | Not enough data | 8.6 (661 reviews) ✓ Verified | 
| **AR Automation** | 8.5 (310 reviews) ✓ Verified | Not enough data | 8.3 (559 reviews) | 
| **Collections Automation** | 8.2 (275 reviews) ✓ Verified | Not enough data | 8.0 (557 reviews) ✓ Verified | 

#### Accounts Payable

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **AP Automation** | 8.2 (271 reviews) ✓ Verified | Not enough data | 8.4 (538 reviews) | 
| **Payment Processing** | 8.7 (328 reviews) ✓ Verified | Not enough data | 8.6 (621 reviews) ✓ Verified | 
| **Purchase Orders** | 7.6 (142 reviews) | Not enough data | 8.4 (561 reviews) ✓ Verified | 

#### Other Functionality

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Inventory Tracking / Ordering** | 7.1 (125 reviews) | Not enough data | 7.7 (498 reviews) | 
| **Inventory Pricing and Costing** | Feature Not Available | Not enough data | 7.7 (489 reviews) | 
| **Inventory Reporting** | 7.5 (157 reviews) ✓ Verified | Not enough data | 7.8 (475 reviews) ✓ Verified | 
| **Multi-Entity / Consolidation** | 7.0 (128 reviews) | Not enough data | 7.6 (514 reviews) ✓ Verified | 
| **Recognition Rules** | 7.2 (132 reviews) | Not enough data | 8.3 (542 reviews) ✓ Verified | 
| **Reconciliations** | 7.5 (144 reviews) | Not enough data | 8.9 (723 reviews) ✓ Verified | 
| **Payroll** | 7.6 (154 reviews) | Not enough data | 8.0 (553 reviews) ✓ Verified | 
| **Time and Expense** | 8.6 (319 reviews) ✓ Verified | Not enough data | 8.2 (535 reviews) | 

#### Reporting & Analytics

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Financial Statements** | 8.7 (365 reviews) ✓ Verified | Not enough data | 8.9 (715 reviews) ✓ Verified | 
| **Custom Reporting** | 8.1 (201 reviews) | Not enough data | 8.4 (648 reviews) ✓ Verified | 
| **Budgeting / Forecasting** | 7.6 (191 reviews) ✓ Verified | Not enough data | 8.2 (527 reviews) ✓ Verified | 
| **Dashboards** | 8.8 (387 reviews) ✓ Verified | Not enough data | 8.7 (659 reviews) ✓ Verified | 

#### Platform

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Customization** | 7.9 (164 reviews) | Not enough data | 8.1 (587 reviews) ✓ Verified | 
| **Workflow Capability** | 7.6 (151 reviews) | Not enough data | 8.1 (542 reviews) | 
| **User, Role, and Access Management** | 8.4 (288 reviews) ✓ Verified | Not enough data | 8.5 (606 reviews) ✓ Verified | 
| **Internationalization** | 7.4 (137 reviews) | Not enough data | 8.1 (502 reviews) ✓ Verified | 
| **Performance and Reliability** | 9.0 (380 reviews) ✓ Verified | Not enough data | 8.8 (676 reviews) ✓ Verified | 
| **Output Document Generation** | 8.3 (153 reviews) | Not enough data | 8.5 (548 reviews) ✓ Verified | 

#### Integration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Data Import and Export Tools** | 8.2 (271 reviews) ✓ Verified | Not enough data | 8.5 (590 reviews) ✓ Verified | 
| **Integration APIs** | 8.0 (194 reviews) ✓ Verified | Not enough data | 8.5 (538 reviews) | 
| **Breadth of Partner Applications** | 7.6 (217 reviews) | Not enough data | 8.4 (579 reviews) ✓ Verified | 

#### Cash Flow

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Track Cash Flow** | 8.3 (202 reviews) ✓ Verified | Not enough data | 8.6 (496 reviews) ✓ Verified | 
| **Income and Expenses** | 8.8 (288 reviews) ✓ Verified | Not enough data | 9.0 (486 reviews) ✓ Verified | 
| **File Exports** | 8.4 (244 reviews) ✓ Verified | Not enough data | 8.6 (446 reviews) ✓ Verified | 

#### Budgeting & Forecasting

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Budgeting / Forecasting** | 7.6 (191 reviews) ✓ Verified | Not enough data | 8.2 (527 reviews) ✓ Verified | 
| **Data Import** | 8.1 (165 reviews) ✓ Verified | Not enough data | 8.5 (450 reviews) ✓ Verified | 
| **Versioning** | 7.6 (136 reviews) ✓ Verified | Not enough data | 8.2 (412 reviews) ✓ Verified | 
| **Historical Data** | 8.2 (203 reviews) ✓ Verified | Not enough data | 8.4 (443 reviews) ✓ Verified | 

#### Revenue

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Revenue Types** | 8.4 (227 reviews) ✓ Verified | Not enough data | 8.6 (467 reviews) ✓ Verified | 
| **Revenue Allocation** | 7.8 (169 reviews) ✓ Verified | Not enough data | 8.5 (451 reviews) ✓ Verified | 
| **Scheduling** | 8.0 (163 reviews) | Not enough data | 8.1 (419 reviews) ✓ Verified | 

#### Payroll

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Direct Deposit** | 7.8 (112 reviews) ✓ Verified | Not enough data | 8.0 (403 reviews) ✓ Verified | 
| **Check/W-2 Printing** | 7.4 (105 reviews) ✓ Verified | Not enough data | 7.8 (390 reviews) ✓ Verified | 
| **Tax Calculation** | 7.7 (114 reviews) ✓ Verified | Not enough data | 8.3 (436 reviews) ✓ Verified | 
| **Reporting and Dashboards** | 8.2 (124 reviews) ✓ Verified | Not enough data | 8.6 (447 reviews) ✓ Verified | 

#### AI

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Data Extraction** | 7.6 (38 reviews) | Not enough data | 8.0 (278 reviews) | 
| **Invoice Processing** | 7.5 (35 reviews) | Not enough data | 8.4 (273 reviews) | 
| **Expense Management** | 7.8 (35 reviews) | Not enough data | 8.3 (276 reviews) | 
| **Fraud Detection** | 7.5 (36 reviews) | Not enough data | 8.1 (273 reviews) | 
| **Tax Compliance** | 7.4 (35 reviews) | Not enough data | 8.2 (273 reviews) | 
| **Support Chatbots** | 7.0 (38 reviews) | Not enough data | 7.8 (273 reviews) | 
| **Bank Reconciliations** | 7.3 (45 reviews) | Not enough data | 8.7 (291 reviews) | 
| **Report Generation** | 7.6 (39 reviews) | Not enough data | 8.5 (278 reviews) | 
| **Customizable Alerts** | 7.0 (42 reviews) | Not enough data | 8.3 (268 reviews) | 
| **Predictive Analytics** | 7.4 (37 reviews) | Not enough data | 8.2 (271 reviews) | 

#### Mobile Applications - Accounting

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Cloud Integration** | 9.2 (12 reviews) | Not enough data | 8.6 (282 reviews) | 
| **Notifications** | 8.9 (11 reviews) | Not enough data | 8.4 (258 reviews) | 
| **UI** | 9.0 (13 reviews) | Not enough data | 8.5 (296 reviews) | 
| **Offline** | 7.8 (10 reviews) | Not enough data | 7.1 (243 reviews) | 
| **Expense Tracking** | 8.5 (12 reviews) | Not enough data | 8.6 (262 reviews) | 
| **Invoice Management** | 8.6 (15 reviews) | Not enough data | 8.7 (273 reviews) | 

#### Agentic AI - Accounting

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 8.2 (230 reviews) | 

### Nonprofit Accounting

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **GoCardless** | N/A | N/A |
| **Xero** | 8.7/10 | 1043 |

#### General Ledger

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Journal Entries** | 8.1 (234 reviews) ✓ Verified | Not enough data | 8.5 (631 reviews) ✓ Verified | 
| **Tags / Dimensions** | 7.8 (228 reviews) ✓ Verified | Not enough data | 8.1 (575 reviews) ✓ Verified | 
| **Audit Trail** | 8.1 (224 reviews) ✓ Verified | Not enough data | 8.4 (592 reviews) ✓ Verified | 

#### Accounts Receivable

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Invoice Customization** | 8.7 (398 reviews) ✓ Verified | Not enough data | 8.6 (661 reviews) ✓ Verified | 
| **AR Automation** | 8.5 (310 reviews) ✓ Verified | Not enough data | 8.3 (559 reviews) | 
| **Collections Automation** | 8.2 (275 reviews) ✓ Verified | Not enough data | 8.0 (557 reviews) ✓ Verified | 

#### Accounts Payable

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **AP Automation** | 8.2 (271 reviews) ✓ Verified | Not enough data | 8.4 (538 reviews) | 
| **Payment Processing** | 8.7 (328 reviews) ✓ Verified | Not enough data | 8.6 (621 reviews) ✓ Verified | 
| **Purchase Orders** | 7.6 (142 reviews) | Not enough data | 8.4 (561 reviews) ✓ Verified | 

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **GoCardless** | 8.8/10 | 74 |
| **Xero** | N/A | N/A |

#### Payment Options

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Not enough data | Feature Not Available | Not enough data | 
| **Recurring Billing** | Not enough data | 9.2 (32 reviews) | Not enough data | 
| **Instant Payment** | Not enough data | 8.5 (30 reviews) | Not enough data | 
| **Accepted Credit Cards and Debit Cards** | Not enough data | Feature Not Available | Not enough data | 
| **ACH Payments and eCheck Processing** | Not enough data | 7.8 (20 reviews) | Not enough data | 
| **Split Payments** | Not enough data | Feature Not Available | Not enough data | 
| **Real-Time Payments** | Not enough data | Feature Not Available | Not enough data | 
| **Multi-Currency** | 7.3 (64 reviews) | 7.7 (24 reviews) | Not enough data | 
| **Online payment portal** | 8.4 (75 reviews) | 8.2 (36 reviews) | Not enough data | 

#### Administration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Reporting/Dashboards** | Not enough data | 8.8 (36 reviews) | Not enough data | 
| **User, Role, and Access Management** | Not enough data | 8.6 (33 reviews) | Not enough data | 
| **Payout Time** | Not enough data | 7.4 (37 reviews) | Not enough data | 
| **Manual Payment Entry** | Not enough data | 8.1 (25 reviews) | Not enough data | 
| **Dispute Resolution** | Not enough data | Feature Not Available | Not enough data | 
| **Omnichannel** | 7.1 (66 reviews) | 7.3 (30 reviews) | Not enough data | 
| **Levels 1 & 2** | 6.8 (67 reviews) | Feature Not Available | Not enough data | 
| **Level 3** | 7.0 (67 reviews) | Feature Not Available | Not enough data | 

#### Security

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **PCI Compliance** | Not enough data | Feature Not Available | Not enough data | 
| **Fraud Protection Tools** | Not enough data | Feature Not Available | Not enough data | 
| **Data Tokenization** | Not enough data | 9.2 (23 reviews) | Not enough data | 
| **Two-Factor Authentication** | Not enough data | 9.6 (30 reviews) | Not enough data | 
| **POS Verification** | 7.4 (62 reviews) | Feature Not Available | Not enough data | 

#### Development

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | Not enough data | 8.5 (18 reviews) | Not enough data | 
| **APIs** | Not enough data | 8.8 (20 reviews) | Not enough data | 
| **Accounting Software Integration** | Not enough data | 8.7 (27 reviews) | Not enough data | 
| **E-Commerce Software Integration** | Not enough data | 8.9 (22 reviews) | Not enough data | 

#### Platform

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Performance and Reliability** | Not enough data | 9.1 (34 reviews) | Not enough data | 
| **Internationalization - Currency/Language** | Not enough data | 9.1 (21 reviews) | Not enough data | 
| **Internationalization - Operating Country** | Not enough data | 9.3 (22 reviews) | Not enough data | 
| **API / Integrations** | Not enough data | 8.8 (20 reviews) | Not enough data | 
| **PCI Regulation Compliance** | Not enough data | Feature Not Available | Not enough data | 
| **Supplemental Technology** | Not enough data | Feature Not Available | Not enough data | 
| **Accounting integration** | 7.6 (67 reviews) | 9.1 (44 reviews) | Not enough data | 
| **E-commerce Integration** | 7.1 (64 reviews) | 8.4 (25 reviews) | Not enough data | 

#### Agentic AI - Payment Gateways

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | Not enough data | 

### Payroll

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 8.3/10 | 17 |
| **GoCardless** | N/A | N/A |
| **Xero** | N/A | N/A |

#### Employee Self Service

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Web Portal** | Feature Not Available | Not enough data | Not enough data | 
| **Benefits Manager** | Feature Not Available | Not enough data | Not enough data | 
| **Mobile** | Feature Not Available | Not enough data | Not enough data | 

#### Administration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Payroll Entry** | 8.6 (15 reviews) | Not enough data | Not enough data | 
| **Time Off Accrual** | Feature Not Available | Not enough data | Not enough data | 
| **Direct Deposit** | 9.3 (16 reviews) | Not enough data | Not enough data | 
| **Expense Reimbursement** | 8.3 (11 reviews) | Not enough data | Not enough data | 
| **Pre-tax Deductions** | Feature Not Available | Not enough data | Not enough data | 
| **Wage Garnishment** | 7.6 (14 reviews) | Not enough data | Not enough data | 
| **Approvals** | Feature Not Available | Not enough data | Not enough data | 
| **Check/W-2 Printing** | Feature Not Available | Not enough data | Not enough data | 
| **Check/W-2 Delivery** | Feature Not Available | Not enough data | Not enough data | 

#### Taxes

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Tax Calculation** | 8.0 (17 reviews) | Not enough data | Not enough data | 
| **Tax Filing** | 7.7 (14 reviews) | Not enough data | Not enough data | 
| **Automatic Tax Payment** | 7.9 (14 reviews) | Not enough data | Not enough data | 

#### Integration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **API / Integration** | Feature Not Available | Not enough data | Not enough data | 
| **Time Tracking Integration** | Feature Not Available | Not enough data | Not enough data | 
| **Accounting Integration** | 7.9 (13 reviews) | Not enough data | Not enough data | 
| **Core HR Integration** | Feature Not Available | Not enough data | Not enough data | 

#### Platform

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Reporting and Dashboards** | 8.1 (14 reviews) | Not enough data | Not enough data | 
| **User, Role, and Access Management** | 8.7 (15 reviews) | Not enough data | Not enough data | 
| **Performance and Reliability** | 8.7 (13 reviews) | Not enough data | Not enough data | 
| **Scalability** | 8.6 (14 reviews) | Not enough data | Not enough data | 

### Subscription Revenue Management

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **GoCardless** | 8.8/10 | 63 |
| **Xero** | N/A | N/A |

#### Billing and Payments

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Payment Terms** | Not enough data | 9.0 (43 reviews) | Not enough data | 
| **Personalized Billing** | Not enough data | 9.0 (45 reviews) | Not enough data | 
| **Custom Pricing** | Not enough data | Feature Not Available | Not enough data | 

#### Revenue Recognition

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Usage Tracking** | Not enough data | 8.9 (38 reviews) | Not enough data | 
| **Deferred Revenue** | Not enough data | 9.1 (23 reviews) | Not enough data | 
| **Revenue Accrual** | Not enough data | 8.8 (26 reviews) | Not enough data | 

#### Revenue Optimization

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **At-Risk Customers** | Not enough data | 8.8 (27 reviews) | Not enough data | 
| **Offer Optimization** | Not enough data | Feature Not Available | Not enough data | 
| **Customer Churn** | Not enough data | 8.5 (28 reviews) | Not enough data | 
| **Revenue Forecasting** | Not enough data | 8.6 (27 reviews) | Not enough data | 

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **GoCardless** | 8.7/10 | 25 |
| **Xero** | N/A | N/A |

#### Payment Methods

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **ACH** | Not enough data | 7.9 (8 reviews) | Not enough data | 
| **Credit and Debit** | Not enough data | Feature Not Available | Not enough data | 
| **Wire Transfer** | Not enough data | Feature Not Available | Not enough data | 

#### Payment Processing 

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Batch Processing** | Not enough data | 8.6 (12 reviews) | Not enough data | 
| **Payments Scheduling** | Not enough data | 9.2 (20 reviews) | Not enough data | 
| **Automated Workflows** | Not enough data | 8.7 (14 reviews) | Not enough data | 
| **Self Service** | Not enough data | 8.2 (11 reviews) | Not enough data | 
| **Reconciliation** | Not enough data | 8.2 (13 reviews) | Not enough data | 
| **Settlements** | Not enough data | 8.2 (12 reviews) | Not enough data | 
| **Payment Tracking** | Not enough data | 9.1 (19 reviews) | Not enough data | 

#### Security and Compliance

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **PCI Compliant** | Not enough data | Feature Not Available | Not enough data | 
| **P2PE** | Not enough data | Feature Not Available | Not enough data | 
| **Fraud Management** | Not enough data | Feature Not Available | Not enough data | 
| **SSL Encryption** | Not enough data | 9.8 (14 reviews) | Not enough data | 
| **SOX** | Not enough data | Feature Not Available | Not enough data | 
| **SOC** | Not enough data | Feature Not Available | Not enough data | 

#### Integration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Agnostic Integration** | Not enough data | 9.6 (9 reviews) | Not enough data | 
| **Reporting Consolidation** | Not enough data | 9.0 (12 reviews) | Not enough data | 
| **Plugins and APIs** | Not enough data | 8.6 (12 reviews) | Not enough data | 

#### Payment Types

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **AP Automation** | Not enough data | 8.3 (7 reviews) | Not enough data | 
| **E-Commerce** | Not enough data | Feature Not Available | Not enough data | 
| **Retail** | Not enough data | Feature Not Available | Not enough data | 

#### Agentic AI - Enterprise Payment

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | Not enough data | 

### Installment Payment and Buy Now Pay Later (BNPL)

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **GoCardless** | 9.2/10 | 29 |
| **Xero** | N/A | N/A |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Email Notifications** | Not enough data | 9.1 (23 reviews) | Not enough data | 
| **Invoicing** | Not enough data | 9.0 (17 reviews) | Not enough data | 
| **Customer Portal** | Not enough data | Feature Not Available | Not enough data | 
| **Loyalty Management** | Not enough data | Feature Not Available | Not enough data | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Payment Gateway** | Not enough data | 9.2 (17 reviews) | Not enough data | 
| **Payment Tracking** | Not enough data | 9.3 (23 reviews) | Not enough data | 
| **E-commerce Integration** | Not enough data | Feature Not Available | Not enough data | 
| **Payment Scheduling** | Not enough data | 9.6 (26 reviews) | Not enough data | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **GoCardless** | N/A | N/A |
| **Xero** | 8.6/10 | 324 |

#### Invoice Generation

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Templates** | Not enough data | Not enough data | 8.3 (207 reviews) | 
| **Digital Invoices** | Not enough data | Not enough data | 9.0 (208 reviews) | 
| **Recurring Invoices** | Not enough data | Not enough data | 9.0 (202 reviews) | 

#### Invoice Processing

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Approvals** | Not enough data | Not enough data | 8.6 (199 reviews) | 
| **Batch Processing** | Not enough data | Not enough data | 8.5 (198 reviews) | 
| **Consolidation** | Not enough data | Not enough data | 8.3 (194 reviews) | 
| **Match Invoices** | Not enough data | Not enough data | 8.9 (205 reviews) | 

#### Analytics

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Due Dates** | Not enough data | Not enough data | 9.0 (204 reviews) | 
| **Cashflow** | Not enough data | Not enough data | 8.6 (203 reviews) | 
| **KPIs** | Not enough data | Not enough data | 8.1 (186 reviews) | 
| **Payment Tracking** | Not enough data | Not enough data | 8.7 (201 reviews) | 

#### Integration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Accounting** | Not enough data | Not enough data | 9.0 (210 reviews) | 
| **Payments** | Not enough data | Not enough data | 8.7 (206 reviews) | 
| **ERP** | Not enough data | Not enough data | 8.0 (187 reviews) | 
| **Account Sync** | Not enough data | Not enough data | 8.5 (205 reviews) | 

#### Agentic AI - Invoice Management

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Cross-system Integration** | Not enough data | Not enough data | 8.3 (108 reviews) | 
| **Adaptive Learning** | Not enough data | Not enough data | 8.3 (109 reviews) | 
| **Proactive Assistance** | Not enough data | Not enough data | 8.1 (110 reviews) | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 7.5/10 | 100 |
| **GoCardless** | 8.3/10 | 117 |
| **Xero** | N/A | N/A |

#### Payment Processing

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Encryption** | 8.3 (80 reviews) | 9.2 (74 reviews) | Not enough data | 
| **Credit Card Processing** | 8.5 (87 reviews) | Feature Not Available | Not enough data | 
| **Mobile Payments** | 8.2 (79 reviews) | Feature Not Available | Not enough data | 
| **Digital Wallet Integration** | 7.3 (67 reviews) | Feature Not Available | Not enough data | 

#### Administration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Reporting & Analytics** | 8.3 (84 reviews) | 8.3 (70 reviews) | Not enough data | 
| **E-commerce Integration** | 6.8 (68 reviews) | 8.4 (43 reviews) | Not enough data | 
| **Processing Fees** | 6.6 (84 reviews) | 7.9 (90 reviews) | Not enough data | 
| **POS Integration** | 7.0 (64 reviews) | Feature Not Available | Not enough data | 
| **Omnichannel** | 7.1 (66 reviews) | 7.3 (30 reviews) | Not enough data | 
| **Levels 1 & 2** | 6.8 (67 reviews) | Feature Not Available | Not enough data | 
| **Level 3** | 7.0 (67 reviews) | Feature Not Available | Not enough data | 

#### Payment Options

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Multi-Currency** | 7.3 (64 reviews) | 7.7 (24 reviews) | Not enough data | 
| **Online payment portal** | 8.4 (75 reviews) | 8.2 (36 reviews) | Not enough data | 

#### Security

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **POS Verification** | 7.4 (62 reviews) | Feature Not Available | Not enough data | 

#### Platform

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Accounting integration** | 7.6 (67 reviews) | 9.1 (44 reviews) | Not enough data | 
| **E-commerce Integration** | 7.1 (64 reviews) | 8.4 (25 reviews) | Not enough data | 

### Inventory Control

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **GoCardless** | N/A | N/A |
| **Xero** | 9.0/10 | 137 |

#### Multichannel inventory management

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Warehouse Inventory Transfer** | Not enough data | Not enough data | 8.7 (74 reviews) | 
| **Multichannel Inventory Syncing** | Not enough data | Not enough data | 8.8 (74 reviews) | 
| **Multi-Warehouse Routing** | Not enough data | Not enough data | 8.6 (74 reviews) | 

#### 3PL inventory management

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Client management** | Not enough data | Not enough data | 9.0 (75 reviews) | 
| **Marketplace connections** | Not enough data | Not enough data | 8.8 (74 reviews) | 
| **3PL inventory tracking** | Not enough data | Not enough data | 8.8 (73 reviews) | 

#### Inventory Management

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Inventory Tracking** | Not enough data | Not enough data | 9.1 (76 reviews) | 
| **Inventory Costing** | Not enough data | Not enough data | 8.9 (75 reviews) | 
| **Product Master** | Not enough data | Not enough data | 8.9 (73 reviews) | 
| **Inventory Forecasting** | Not enough data | Not enough data | 8.9 (73 reviews) | 
| **Integrations** | Not enough data | Not enough data | 9.2 (74 reviews) | 

#### Inventory Management Platform Features

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Centralized Inventory Database** | Not enough data | Not enough data | 9.1 (77 reviews) | 
| **Inventory Level Dashboards** | Not enough data | Not enough data | 9.1 (78 reviews) | 
| **Stock History Reporting** | Not enough data | Not enough data | 8.9 (79 reviews) | 
| **Low Stock Notifications** | Not enough data | Not enough data | 8.6 (75 reviews) | 
| **Bundles, Kits, & Variants** | Not enough data | Not enough data | 8.8 (75 reviews) | 
| **Asset Tracking** | Not enough data | Not enough data | 9.1 (78 reviews) | 
| **Inventory Forecasting** | Not enough data | Not enough data | 8.9 (76 reviews) | 
| **eCommerce Integrations** | Not enough data | Not enough data | 9.2 (73 reviews) | 
| **Accounting Integrations** | Not enough data | Not enough data | 9.3 (77 reviews) | 
| **Data Exporting / Importing** | Not enough data | Not enough data | 9.4 (77 reviews) | 

### Billing

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 8.0/10 | 161 |
| **GoCardless** | N/A | N/A |
| **Xero** | 8.4/10 | 291 |

#### Bill Generation

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Templates** | 8.4 (143 reviews) | Not enough data | 8.3 (197 reviews) | 
| **Digital Billing** | 8.6 (146 reviews) | Not enough data | 8.7 (198 reviews) | 
| **Recurring Billing** | 8.3 (134 reviews) | Not enough data | 8.7 (201 reviews) | 

#### Bill Processing

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Consolidation** | 7.6 (128 reviews) | Not enough data | 8.1 (192 reviews) | 
| **Batch Invoicing** | 7.8 (124 reviews) | Not enough data | 8.4 (193 reviews) | 
| **Management** | 8.3 (127 reviews) | Not enough data | 8.6 (195 reviews) | 

#### Integration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Accounting** | 7.9 (131 reviews) | Not enough data | 8.8 (205 reviews) | 
| **Payments** | 8.4 (133 reviews) | Not enough data | 8.6 (200 reviews) | 
| **ERP** | 7.1 (102 reviews) | Not enough data | 7.9 (183 reviews) | 

#### Agentic AI - Billing

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 8.3 (105 reviews) | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **GoCardless** | N/A | N/A |
| **Xero** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 

### Time Tracking

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 8.1/10 | 145 |
| **GoCardless** | N/A | N/A |
| **Xero** | N/A | N/A |

#### Time Tracking

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Ease of Completing Timesheets** | 8.8 (71 reviews) | Not enough data | Not enough data | 
| **Tracking Time to Project/Task** | 8.9 (76 reviews) | Not enough data | Not enough data | 
| **Billable Time Rate Management** | 8.9 (77 reviews) | Not enough data | Not enough data | 

#### Client Invoicing

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Invoice Creation and Delivery** | 9.0 (136 reviews) | Not enough data | 9.0 (207 reviews) | 
| **Electronic Payments** | 8.4 (119 reviews) | Not enough data | 8.6 (185 reviews) | 
| **Project Accounting / Revenue Recognition** | 8.2 (124 reviews) | Not enough data | 8.4 (185 reviews) | 

#### Mobile Time Tracking

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Time Tracking** | 8.6 (76 reviews) | Not enough data | Not enough data | 

#### Administration

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Business Tool Integration** | 7.2 (105 reviews) | Not enough data | 8.3 (185 reviews) | 
| **Workflow** | 7.8 (106 reviews) | Not enough data | 8.3 (180 reviews) | 
| **Automated Reminders** | 7.6 (113 reviews) | Not enough data | 8.1 (177 reviews) | 
| **Policy Compliance Management** | 7.2 (103 reviews) | Not enough data | 8.0 (166 reviews) | 
| **User, Role, and Access Management** | 7.9 (111 reviews) | Not enough data | 8.5 (193 reviews) | 

#### Platform

| Feature | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Reporting** | 8.3 (128 reviews) | Not enough data | 8.8 (217 reviews) | 
| **APIs / Integration** | 7.2 (97 reviews) | Not enough data | 8.3 (172 reviews) | 
| **Internationalization** | 7.0 (94 reviews) | Not enough data | 8.1 (161 reviews) | 
| **Performance and Reliability** | 9.0 (126 reviews) | Not enough data | 9.0 (193 reviews) | 
| **Mobile User Support** | 8.3 (115 reviews) | Not enough data | 8.1 (176 reviews) | 
| **Offline** | 7.0 (99 reviews) | Not enough data | 5.9 (147 reviews) | 

---
## Categories

**Unique to FreshBooks (6):** [Time Tracking Software](https://www.g2.com/categories/time-tracking-software), [Expense Management Software](https://www.g2.com/categories/expense-management), [Payroll Software](https://www.g2.com/categories/payroll), [Billing Software](https://www.g2.com/categories/billing), [Accounting Software](https://www.g2.com/categories/accounting), [Payment Processing Software](https://www.g2.com/categories/payment-processing)

**Unique to GoCardless (5):** [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Subscription Revenue Management Software](https://www.g2.com/categories/subscription-revenue-management), [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to Xero (6):** [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Inventory Control Software](https://www.g2.com/categories/inventory-control-software), [Expense Management Software](https://www.g2.com/categories/expense-management), [Billing Software](https://www.g2.com/categories/billing), [Accounting Software](https://www.g2.com/categories/accounting), [Nonprofit Accounting Software](https://www.g2.com/categories/nonprofit-accounting-software)


---
## Reviewer Demographics

### By Company Size

| Segment | FreshBooks | GoCardless | Xero | 
|---|---|---|---|
| **Small-Business** | 86.4% | 92.9% | 71.5% | 
| **Mid-Market** | 8.9% | 5.8% | 23.7% | 
| **Enterprise** | 4.6% | 1.3% | 4.8% | 

### By Industry

#### FreshBooks

- **Marketing and Advertising:** 17.2%
- **Information Technology and Services:** 6.3%
- **Accounting:** 5.0%
- **Graphic Design:** 4.6%
- **Computer Software:** 4.1%
- **Consulting:** 3.9%
- **Design:** 3.8%
- **Management Consulting:** 3.7%
- **Internet:** 3.5%
- **Construction:** 3.3%
- **Other:** 44.6%

#### GoCardless

- **Accounting:** 13.6%
- **Marketing and Advertising:** 11.0%
- **Information Technology and Services:** 10.4%
- **Health, Wellness and Fitness:** 6.1%
- **Internet:** 5.2%
- **Computer Software:** 4.2%
- **Telecommunications:** 3.9%
- **Sports:** 2.9%
- **Design:** 2.3%
- **Non-Profit Organization Management:** 1.9%
- **Other:** 38.5%

#### Xero

- **Accounting:** 21.7%
- **Information Technology and Services:** 8.8%
- **Computer Software:** 6.6%
- **Marketing and Advertising:** 5.1%
- **Consulting:** 3.6%
- **Construction:** 3.5%
- **Financial Services:** 3.1%
- **Retail:** 3.1%
- **Health, Wellness and Fitness:** 2.1%
- **Real Estate:** 1.9%
- **Other:** 40.6%

---
## Alternatives

### Alternatives to FreshBooks

- [QuickBooks Desktop Pro](https://www.g2.com/products/quickbooks-desktop-pro/reviews) — 4.3/5 stars (1765 reviews)
- [NetSuite](https://www.g2.com/products/netsuite/reviews) — 4.1/5 stars (4775 reviews)
- [Zoho Books](https://www.g2.com/products/zoho-books/reviews) — 4.4/5 stars (327 reviews)
- [Wave](https://www.g2.com/products/wave/reviews) — 4.3/5 stars (323 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1805 reviews)
- [BigTime](https://www.g2.com/products/bigtime/reviews) — 4.5/5 stars (1692 reviews)
- [QuickBooks Desktop Enterprise](https://www.g2.com/products/quickbooks-desktop-enterprise/reviews) — 4.3/5 stars (1056 reviews)
- [BQE CORE](https://www.g2.com/products/core-bqe-software-inc/reviews) — 4.3/5 stars (449 reviews)
- [HoneyBook](https://www.g2.com/products/honeybook/reviews) — 4.4/5 stars (212 reviews)
- [Certinia Financial Management Cloud](https://www.g2.com/products/certinia-financial-management-cloud/reviews) — 4.0/5 stars (437 reviews)

### Alternatives to GoCardless

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (367 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.8/5 stars (36 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews)
- [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews)
- [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4060 reviews)
- [Chargebee](https://www.g2.com/products/chargebee/reviews) — 4.4/5 stars (975 reviews)

### Alternatives to Xero

- [NetSuite](https://www.g2.com/products/netsuite/reviews) — 4.1/5 stars (4775 reviews)
- [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) — 4.0/5 stars (3825 reviews)
- [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) — 4.3/5 stars (4208 reviews)
- [QuickBooks Desktop Pro](https://www.g2.com/products/quickbooks-desktop-pro/reviews) — 4.3/5 stars (1765 reviews)
- [Certinia Financial Management Cloud](https://www.g2.com/products/certinia-financial-management-cloud/reviews) — 4.0/5 stars (437 reviews)
- [Zoho Books](https://www.g2.com/products/zoho-books/reviews) — 4.4/5 stars (327 reviews)
- [Wave](https://www.g2.com/products/wave/reviews) — 4.3/5 stars (323 reviews)
- [Acumatica](https://www.g2.com/products/acumatica/reviews) — 4.4/5 stars (2007 reviews)
- [QuickBooks Desktop Enterprise](https://www.g2.com/products/quickbooks-desktop-enterprise/reviews) — 4.3/5 stars (1056 reviews)
- [SAP ECC](https://www.g2.com/products/sap-ecc/reviews) — 4.2/5 stars (941 reviews)

---
## Top Discussions

### FreshBooks

- Title: [Does FreshBooks support recurring billing?](https://www.g2.com/discussions/does-freshbooks-support-recurring-billing) — 3 comments, 1 upvote *(includes official response)*
  > **Top comment:** "The FreshBooks employee time tracking feature allows employees to log and track time easily to their own time sheet. Account administrators get the final say..."
- Title: [What is the best way to manage deposits against future work as a consultant?](https://www.g2.com/discussions/25036-what-is-the-best-way-to-manage-deposits-against-future-work-as-a-consultant) — 2 comments, 1 upvote
  > **Top comment:** "Hi Mark,

You most likely would benefit from the retainer feature in FB which allows you to track time against a retainer payment...."
- Title: [How do you like using Freshbooks](https://www.g2.com/discussions/24969-how-do-you-like-using-freshbooks) — 2 comments, 1 upvote
  > **Top comment:** "Hi Rodney,

We have used Freshbooks since 2013, and are in no way affiliated with them.

For the most part, our experience overall has been positive,..."
- Title: [What is FreshBooks?](https://www.g2.com/discussions/what-is-freshbooks) — 1 comment
  > **Top comment:** "Freshbooks is an online accounting system for service based businesses and is especially useful for creating invoices and tracking expenses. "
- Title: [What is FreshBooks used for?](https://www.g2.com/discussions/what-is-freshbooks-used-for) — 1 comment, 1 upvote
  > **Top comment:** " "What is FreshBooks used for" is easily answered when you Google - the description that is posted there: The best cloud based small business accounting..."

### GoCardless

- Title: [Is there any other type of payments being accepted?](https://www.g2.com/discussions/31022-is-there-any-other-type-of-payments-being-accepted) — 2 comments, 1 upvote *(includes official response)*
  > **Top comment:** "We're building the best way to collect recurring payments. As a result, we are optimising for the payment method that is best suited for recurring revenue..."
- Title: [I recommend any organization wishing to use automatic payments to use GoCardless because it meets the most requirements with advantageous pricin ?](https://www.g2.com/discussions/i-recommend-any-organization-wishing-to-use-automatic-payments-to-use-gocardless-because-it-meets-the-most-requirements-with-advantageous-pricin) — 1 comment, 1 upvote
  > **Top comment:** "Very satisfactory and recommended. "
- Title: [What do I do about pending payments](https://www.g2.com/discussions/what-do-i-do-about-pending-payments) — 1 comment, 1 upvote
  > **Top comment:** "Wait for the to be settled, GoCardless will be able to assist you if you would like to any extra information or guidance to maybe speed up the process of the..."
- Title: [A-When will we be able to choose the moment when the transfer is made, i.e., choose to receive the funds on a predictable date? B-The display during registration should first offer to fill in information for a company. Currently, you have to click a button first for the information entry for companies to appear. However, SEPA direct debit is mostly for companies, not for individuals.](https://www.g2.com/discussions/37749-a-quand-pourra-t-on-choisir-le-moment-ou-le-virement-se-fait-cad-choisir-de-recevoir-les-fonds-a-une-date-previsible-b-il-faudrait-que-l-affichage-lors-de-l-inscription-propose-en-premier-de-remplir-des-infos-pour-une-entreprise-actuellement-il-faut) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Hello, we thank you for your comment. A - By logging into your merchant account, you can choose the debit date for each payment made using GoCardless. The..."
- Title: [Will it be possible one day to have invoices automatically generated for my clients (1 invoice per payment plan)?](https://www.g2.com/discussions/37284-sera-t-il-possible-un-jour-d-avoir-des-factures-editees-automatiquement-pour-mes-clients-1-facture-par-plan-de-paiement) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Hello. Our solutions do not generate invoices for end customers, but we have partner billing software that can assist you with this. You can view our list of..."

### Xero

- Title: [What is Xero used for?](https://www.g2.com/discussions/what-is-xero-used-for) — 3 comments
  > **Top comment:** "Accounting, bookkeeping, tax return, payroll, expenses management etc. For small or medium business"
- Title: [Is XERO a good accounting software?](https://www.g2.com/discussions/is-xero-a-good-accounting-software) — 3 comments
  > **Top comment:** "Yep - especially with the upgrade to forecast cash flow"
- Title: [What is Xero software used for?](https://www.g2.com/discussions/what-is-xero-software-used-for) — 3 comments
  > **Top comment:** "Accounting and invoicing needs"
- Title: [Is Xero easy to use?](https://www.g2.com/discussions/is-xero-easy-to-use) — 2 comments, 1 upvote
  > **Top comment:** "Yes, it is easy to use."
- Title: [What are the new features in Xero?](https://www.g2.com/discussions/what-are-the-new-features-in-xero) — 2 comments, 1 upvote
  > **Top comment:** "Do you need reviews on this G2 website too? I have reviewed the website here before. And approved review 100% madniawais189@gmail.com"

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/freshbooks-vs-gocardless-vs-xero)