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Compare Paymo and Xero 
Featured Products
At a Glance
Market Segments
Small-Business (82.9% of reviews)
Small-Business (69.6% of reviews)
Entry-Level Pricing
Free
$13.00 Per Month
Paymo
Star Rating
(594)4.6 out of 5
Market Segments
Small-Business (82.9% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Browse all 4 pricing plansXero
Star Rating
(1,321)4.4 out of 5
Market Segments
Small-Business (69.6% of reviews)
Pros & Cons
Entry-Level Pricing
$13.00 Per Month
Free Trial is available
Browse all 3 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- G2 reviewers report that Xero excels in overall user satisfaction, boasting a significantly higher G2 Score compared to Paymo. Users appreciate its intuitive interface and the simplicity of managing accounting tasks, making it a preferred choice for small businesses.
- According to verified reviews, Paymo shines in project management capabilities, particularly for small companies. Users highlight its precise time tracking that links every minute to specific tasks, which simplifies billing and enhances productivity tracking.
- Users say that Xero's implementation process is smooth, with many praising the easy initial setup and the absence of clutter in the dashboard. This allows for a more focused experience when reconciling payments and receipts.
- Reviewers mention that Paymo offers excellent features for invoicing, with customizable and well-designed invoices that help users keep track of client payments. The auto-time calculation feature is particularly appreciated for its efficiency in billing.
- G2 reviewers highlight that while both products have similar ease of use ratings, Paymo edges out slightly in user support, with many users noting its responsive customer service and helpful resources, which enhance the overall experience.
- According to recent feedback, Xero's strength lies in its accounting features, with users praising its robust reporting capabilities and effective management of financial tasks, making it a strong contender for businesses focused on comprehensive accounting solutions.
Pricing
Entry-Level Pricing
Paymo
Free
Free
Basic tools for personal use.
- Unlimited Users
- Unlimited Time Tracking
- Unlimited Invoices
Xero
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
Paymo
Free Trial is available
Xero
Free Trial is available
Ratings
Meets Requirements
8.7
527
8.7
1,060
Ease of Use
9.0
528
8.9
1,113
Ease of Setup
9.0
263
8.6
806
Ease of Admin
8.9
258
8.7
372
Quality of Support
9.1
462
8.3
987
Has the product been a good partner in doing business?
9.1
239
8.6
367
Product Direction (% positive)
9.0
512
8.7
1,049
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
8.7
253
9.1
223
8.6
130
8.7
209
8.4
185
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
Feature Not Available
8.4
209
Feature Not Available
8.4
208
Feature Not Available
8.2
205
Feature Not Available
8.1
195
8.7
231
8.6
215
Platform
8.6
241
8.9
231
8.2
113
8.5
197
8.3
114
8.3
188
9.1
254
9.1
217
8.0
174
8.3
200
7.3
98
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
679
|
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
669
|
Verified
Not enough data
8.4
578
|
Verified
Not enough data
8.7
684
|
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
Tasks
9.2
75
|
Verified
Not enough data
8.7
69
|
Verified
Not enough data
8.9
67
|
Verified
Not enough data
8.8
68
|
Verified
Not enough data
8.0
52
|
Verified
Not enough data
Feature Not Available
Not enough data
8.6
61
|
Verified
Not enough data
8.2
58
|
Verified
Not enough data
Projects
8.7
61
|
Verified
Not enough data
8.3
56
|
Verified
Not enough data
8.0
41
|
Verified
Not enough data
8.6
49
Not enough data
8.4
63
|
Verified
Not enough data
8.4
61
|
Verified
Not enough data
Feature Not Available
Not enough data
8.2
63
|
Verified
Not enough data
7.7
34
|
Verified
Not enough data
9.1
73
|
Verified
Not enough data
7.8
36
Not enough data
Resource Management
8.2
39
|
Verified
Not enough data
7.9
41
|
Verified
Not enough data
8.1
50
|
Verified
Not enough data
Project Monitoring
8.0
44
|
Verified
Not enough data
7.8
40
|
Verified
Not enough data
8.7
67
|
Verified
Not enough data
Generative AI
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Project Management
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
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
Planning
Feature Not Available
Not enough data
9.2
10
Not enough data
9.4
9
Not enough data
Optimization
8.7
10
Not enough data
8.8
8
Not enough data
8.5
9
Not enough data
Tasks
9.2
14
Not enough data
8.7
13
Not enough data
9.2
13
Not enough data
Agentic AI - Kanban Project Management
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Kanban Boards
9.3
12
Not enough data
9.4
13
Not enough data
9.4
13
Not enough data
Planning
8.7
13
Not enough data
9.1
13
Not enough data
8.8
14
Not enough data
Task Creation
9.1
80
Not enough data
8.8
75
Not enough data
8.4
67
Not enough data
Feature Not Available
Not enough data
Task Management
8.5
68
Not enough data
8.8
71
Not enough data
8.2
47
Not enough data
8.2
51
Not enough data
Generative AI
Not enough data
Not enough data
Not enough data
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
8.7
31
8.5
212
9.1
30
8.8
216
8.8
20
8.8
217
Bill Processing
Feature Not Available
8.3
208
Feature Not Available
8.5
209
Feature Not Available
8.7
212
Integration
7.8
13
8.9
221
8.7
17
8.7
215
8.5
10
8.1
203
Agentic AI - Billing
Not enough data
8.6
122
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Time Tracking
9.2
403
Not enough data
9.2
399
Not enough data
8.9
334
Not enough data
Client Invoicing
8.7
253
9.1
223
8.6
130
8.7
209
8.4
185
8.6
208
Mobile Time Tracking
9.2
365
Not enough data
Administration
Feature Not Available
8.4
209
Feature Not Available
8.4
208
Feature Not Available
8.2
205
Feature Not Available
8.1
195
8.7
231
8.6
215
Platform
8.6
241
8.9
231
8.2
113
8.5
197
8.3
114
8.3
188
9.1
254
9.1
217
8.0
174
8.3
200
7.3
98
5.8
170
Categories
Categories
Shared Categories
Paymo and Xero are categorized as Billing
Unique Categories
Paymo is categorized as Kanban Project Management, Resource Management, Task Management, Time Tracking, and Project Management
Xero is categorized as Invoice Management, Inventory Control, Expense Management, Accounting, and Nonprofit Accounting
Reviews
Reviewers' Company Size
Paymo
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
Marketing and Advertising
13.4%
Information Technology and Services
8.9%
Computer Software
8.9%
Design
7.4%
Graphic Design
6.7%
Other
54.8%
Accounting
20.1%
Information Technology and Services
8.3%
Computer Software
6.8%
Marketing and Advertising
5.9%
Construction
3.2%
Other
55.8%
Alternatives
Discussions
Is paymo free?
3 Comments
SZ
There's a Free tier for paymo but for most professional users the limits like max. 3 clients / 3 invoices isn't very practical.Read more
How much does Paymo cost?
1 Comment
A
Free (limited to 1 user)
Small Office - $11.95/user/month
Business - $18.95/user/month
20% discount for annual subscriptions
You only pay for the...Read more
Does Paymo offer integrations with other apps?
1 Comment
A
https://www.paymoapp.com/downloads-and-integrations/Read more
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