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Compare GoCardless and Xero 
Featured Products
At a Glance
Market Segments
Small-Business (92.8% of reviews)
Small-Business (69.5% of reviews)
Entry-Level Pricing
No pricing available
$13.00 Per Month
GoCardless
Star Rating
(319)4.6 out of 5
Market Segments
Small-Business (92.8% of reviews)
Pros & Cons
Entry-Level Pricing
No pricing available
Learn more about GoCardlessXero
Star Rating
(1,318)4.4 out of 5
Market Segments
Small-Business (69.5% of reviews)
Pros & Cons
Entry-Level Pricing
$13.00 Per Month
Free Trial is available
Browse all 3 pricing plansGoCardless vs Xero
When assessing the two solutions, reviewers found GoCardless easier to use, set up, and administer. Reviewers also preferred doing business with GoCardless overall.
- Reviewers felt that GoCardless meets the needs of their business better than Xero.
- When comparing quality of ongoing product support, reviewers felt that GoCardless is the preferred option.
- When assessing product direction, GoCardless and Xero received similar ratings from our reviewers.
Pricing
Entry-Level Pricing
GoCardless
No pricing availableXero
Starter / Early
$13.00
Per Month
Good for sole traders, new businesses, and the self-employed.
- Send quotes and 20 invoices
- Enter 5 bills
- Reconcile bank transactions
Free Trial
GoCardless
No trial information availableXero
Free Trial is available
Ratings
Meets Requirements
9.1
202
8.7
1,059
Ease of Use
9.0
201
8.9
1,112
Ease of Setup
8.9
151
8.6
805
Ease of Admin
9.0
140
8.7
372
Quality of Support
8.5
170
8.3
986
Has the product been a good partner in doing business?
9.0
134
8.6
367
Product Direction (% positive)
8.7
185
8.7
1,048
Features by Category
Expense Reports
Not enough data
8.7
235
Not enough data
8.9
234
Not enough data
8.5
219
Not enough data
8.5
221
Not enough data
8.4
210
Not enough data
8.3
207
Not enough data
8.7
218
Agentic AI - Expense Management
Not enough data
8.9
106
Not enough data
9.1
107
Travel Management
Not enough data
7.8
193
Not enough data
7.3
186
Not enough data
7.1
184
Not enough data
7.6
188
Client Invoicing
Not enough data
9.1
223
Not enough data
8.7
209
Not enough data
8.6
208
Mobile
Not enough data
8.3
209
Not enough data
7.7
186
Not enough data
7.3
182
Platform
Not enough data
8.2
172
Not enough data
8.2
175
Administration
Not enough data
8.4
168
Administration
Not enough data
8.4
209
Not enough data
8.4
208
Not enough data
8.2
205
Not enough data
8.1
195
Not enough data
8.6
215
Platform
Not enough data
8.9
231
Not enough data
8.5
197
Not enough data
8.3
188
Not enough data
9.1
217
Not enough data
8.3
200
Not enough data
5.8
170
General Ledger
Not enough data
8.6
679
|
Verified
Not enough data
8.2
634
|
Verified
Not enough data
8.5
648
|
Verified
Accounts Receivable
Not enough data
8.7
699
|
Verified
Not enough data
8.3
599
Not enough data
8.2
614
|
Verified
Accounts Payable
Not enough data
8.5
594
Not enough data
8.7
650
|
Verified
Not enough data
8.5
621
|
Verified
Other Functionality
Not enough data
7.9
555
Not enough data
7.9
553
Not enough data
8.0
540
|
Verified
Not enough data
7.8
573
|
Verified
Not enough data
8.4
604
|
Verified
Not enough data
8.9
678
|
Verified
Not enough data
8.2
590
|
Verified
Not enough data
8.4
590
Reporting & Analytics
Not enough data
8.8
692
|
Verified
Not enough data
8.6
668
|
Verified
Not enough data
8.4
578
|
Verified
Not enough data
8.7
683
|
Verified
Platform
Not enough data
8.3
629
|
Verified
Not enough data
8.2
600
Not enough data
8.6
656
|
Verified
Not enough data
8.2
558
|
Verified
Not enough data
8.8
665
|
Verified
Not enough data
8.6
612
|
Verified
Integration
Not enough data
8.6
633
|
Verified
Not enough data
8.6
560
Not enough data
8.4
590
|
Verified
Cash Flow
Not enough data
8.7
525
|
Verified
Not enough data
9.0
546
|
Verified
Not enough data
8.7
512
|
Verified
Budgeting & Forecasting
Not enough data
8.4
578
|
Verified
Not enough data
8.6
515
|
Verified
Not enough data
8.3
479
|
Verified
Not enough data
8.5
508
|
Verified
Revenue
Not enough data
8.7
533
|
Verified
Not enough data
8.6
519
|
Verified
Not enough data
8.3
487
|
Verified
Payroll
Not enough data
8.2
466
|
Verified
Not enough data
7.9
452
|
Verified
Not enough data
8.4
494
|
Verified
Not enough data
8.8
508
|
Verified
AI
Not enough data
8.2
340
Not enough data
8.7
340
Not enough data
8.6
340
Not enough data
8.4
338
Not enough data
8.4
336
Not enough data
8.0
336
Not enough data
8.9
343
Not enough data
8.7
341
Not enough data
8.6
332
Not enough data
8.3
333
Mobile Applications - Accounting
Not enough data
8.7
331
Not enough data
8.7
320
Not enough data
8.7
330
Not enough data
7.2
298
Not enough data
8.8
324
Not enough data
8.9
324
Agentic AI - Accounting
Not enough data
8.4
297
General Ledger
Not enough data
8.6
679
|
Verified
Not enough data
8.2
634
|
Verified
Not enough data
8.5
648
|
Verified
Accounts Receivable
Not enough data
8.7
699
|
Verified
Not enough data
8.3
599
Not enough data
8.2
614
|
Verified
Accounts Payable
Not enough data
8.5
594
Not enough data
8.7
650
|
Verified
Not enough data
8.5
621
|
Verified
Payment Options
Feature Not Available
Not enough data
9.2
32
Not enough data
8.5
30
Not enough data
Feature Not Available
Not enough data
7.8
20
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
7.7
24
Not enough data
8.5
35
Not enough data
Administration
8.8
36
Not enough data
8.6
33
Not enough data
7.4
37
Not enough data
8.1
25
Not enough data
Feature Not Available
Not enough data
7.3
30
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Security
Feature Not Available
Not enough data
Feature Not Available
Not enough data
9.2
23
Not enough data
9.6
30
Not enough data
Feature Not Available
Not enough data
Development
8.5
18
Not enough data
8.8
20
Not enough data
8.7
27
Not enough data
8.9
22
Not enough data
Platform
9.1
34
Not enough data
9.1
21
Not enough data
9.3
22
Not enough data
8.8
20
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
9.1
43
Not enough data
8.4
25
Not enough data
Agentic AI - Payment Gateways
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Billing and Payments
9.0
43
Not enough data
9.0
45
Not enough data
Feature Not Available
Not enough data
Revenue Recognition
8.9
38
Not enough data
9.1
23
Not enough data
8.8
26
Not enough data
Revenue Optimization
8.8
27
Not enough data
Feature Not Available
Not enough data
8.5
28
Not enough data
8.6
27
Not enough data
Payment Methods
7.9
8
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Payment Processing
8.6
12
Not enough data
9.2
20
Not enough data
8.7
14
Not enough data
8.2
11
Not enough data
8.2
13
Not enough data
8.2
12
Not enough data
9.1
19
Not enough data
Security and Compliance
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
9.8
14
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Integration
9.6
9
Not enough data
9.0
12
Not enough data
8.6
12
Not enough data
Payment Types
8.3
7
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Agentic AI - Enterprise Payment
Not enough data
Not enough data
Installment Payment and Buy Now Pay Later (BNPL)Hide 11 FeaturesShow 11 Features
9.2
29
Not enough data
Administration - Installment Payment and Buy Now Pay Later (BNPL)
9.1
23
Not enough data
9.0
17
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)
9.2
17
Not enough data
9.3
23
Not enough data
Feature Not Available
Not enough data
9.6
26
Not enough data
Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Invoice Generation
Not enough data
8.7
231
Not enough data
9.0
230
Not enough data
9.0
225
Invoice Processing
Not enough data
8.7
223
Not enough data
8.7
222
Not enough data
8.4
220
Not enough data
9.0
230
Analytics
Not enough data
9.0
222
Not enough data
8.6
224
Not enough data
8.3
210
Not enough data
8.8
225
Integration
Not enough data
9.1
234
Not enough data
8.9
227
Not enough data
8.2
216
Not enough data
8.6
227
Agentic AI - Invoice Management
Not enough data
8.5
131
Not enough data
8.5
132
Not enough data
8.5
133
Payment Processing
9.2
74
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Administration
8.4
69
Not enough data
8.4
43
Not enough data
7.9
90
Not enough data
Feature Not Available
Not enough data
7.3
30
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Payment Options
7.7
24
Not enough data
8.5
35
Not enough data
Security
Feature Not Available
Not enough data
Platform
9.1
43
Not enough data
8.4
25
Not enough data
Multichannel inventory management
Not enough data
8.8
87
Not enough data
8.9
87
Not enough data
8.6
87
3PL inventory management
Not enough data
9.0
87
Not enough data
8.9
87
Not enough data
8.8
86
Inventory Management
Not enough data
9.1
88
Not enough data
8.9
87
Not enough data
8.9
85
Not enough data
8.8
86
Not enough data
9.3
86
Inventory Management Platform Features
Not enough data
9.1
92
Not enough data
9.2
93
Not enough data
8.9
92
Not enough data
8.9
89
Not enough data
8.9
89
Not enough data
9.2
93
Not enough data
9.0
91
Not enough data
9.3
90
Not enough data
9.4
92
Not enough data
9.4
92
Bill Generation
Not enough data
8.5
212
Not enough data
8.8
216
Not enough data
8.8
217
Bill Processing
Not enough data
8.3
208
Not enough data
8.5
209
Not enough data
8.7
212
Integration
Not enough data
8.9
221
Not enough data
8.7
215
Not enough data
8.1
203
Agentic AI - Billing
Not enough data
8.6
122
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
GoCardless and Xero share no categories
Unique Categories
GoCardless is categorized as Payment Processing, Installment Payment and Buy Now Pay Later (BNPL), Enterprise Payment, Subscription Revenue Management, and Payment Gateways
Xero is categorized as Invoice Management, Inventory Control, Expense Management, Billing, Accounting, and Nonprofit Accounting
Reviews
Reviewers' Company Size
GoCardless
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Xero
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
13.4%
Marketing and Advertising
10.7%
Information Technology and Services
10.4%
Health, Wellness and Fitness
6.2%
Internet
5.2%
Other
54.1%
Accounting
20.0%
Information Technology and Services
8.3%
Computer Software
6.8%
Marketing and Advertising
5.9%
Construction
3.2%
Other
55.9%
Alternatives
Discussions
Is there any other type of payments being accepted?
2 Comments
![[TPMGE] C.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "[TPMGE] C.")
[C
Credit cardRead more
Will it be possible one day to have invoices automatically generated for my clients (1 invoice per payment plan)?
1 Comment
Official Response from GoCardless
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...Read more
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.
1 Comment
Official Response from GoCardless
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...Read more
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