Introducing G2.ai, the future of software buying.Try now
Compare PayPal Payments and Xero 
Featured Products
At a Glance
Market Segments
Small-Business (64.3% of reviews)
Small-Business (69.3% of reviews)
Entry-Level Pricing
$0 per month
$13.00 Per Month
PayPal Payments
Star Rating
(2,615)4.4 out of 5
Market Segments
Small-Business (64.3% of reviews)
Pros & Cons
Entry-Level Pricing
$0 per month
Browse all 3 pricing plansXero
Star Rating
(1,313)4.4 out of 5
Market Segments
Small-Business (69.3% of reviews)
Pros & Cons
Entry-Level Pricing
$13.00 Per Month
Free Trial is available
Browse all 3 pricing plansPayPal Payments vs Xero
When assessing the two solutions, reviewers found PayPal Payments easier to use and set up. However, Xero is easier to administer. Reviewers also preferred doing business with Xero overall.
- Reviewers felt that PayPal Payments meets the needs of their business better than Xero.
- When comparing quality of ongoing product support, PayPal Payments and Xero provide similar levels of assistance.
- For feature updates and roadmaps, our reviewers preferred the direction of Xero over PayPal Payments.
Pricing
Entry-Level Pricing
PayPal Payments
On Website - Basic
$0
per month
- Accept credit cards and PayPal on your site
- Swipe cards in your store and on the go
- Create and email invoices for fast payment
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
PayPal Payments
No trial information availableXero
Free Trial is available
Ratings
Meets Requirements
9.0
2,128
8.7
1,054
Ease of Use
9.0
2,156
8.9
1,109
Ease of Setup
8.9
616
8.7
802
Ease of Admin
8.4
326
8.7
369
Quality of Support
8.3
2,011
8.3
981
Has the product been a good partner in doing business?
8.1
323
8.6
364
Product Direction (% positive)
8.2
2,101
8.7
1,043
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
206
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
9.0
222
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
230
Not enough data
8.5
197
Not enough data
8.3
188
Not enough data
9.1
217
Not enough data
8.4
199
Not enough data
5.8
170
General Ledger
Not enough data
8.6
677
|
Verified
Not enough data
8.2
634
|
Verified
Not enough data
8.5
648
|
Verified
Accounts Receivable
Not enough data
8.7
698
|
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
554
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
675
|
Verified
Not enough data
8.2
588
|
Verified
Not enough data
8.4
590
Reporting & Analytics
Not enough data
8.8
692
|
Verified
Not enough data
8.6
667
|
Verified
Not enough data
8.4
578
|
Verified
Not enough data
8.7
682
|
Verified
Platform
Not enough data
8.3
628
|
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
559
Not enough data
8.4
589
|
Verified
Cash Flow
Not enough data
8.7
525
|
Verified
Not enough data
9.0
545
|
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
335
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
330
Not enough data
8.7
320
Not enough data
8.7
329
Not enough data
7.2
298
Not enough data
8.8
323
Not enough data
8.9
323
Agentic AI - Accounting
Not enough data
8.4
297
General Ledger
Not enough data
8.6
677
|
Verified
Not enough data
8.2
634
|
Verified
Not enough data
8.5
648
|
Verified
Accounts Receivable
Not enough data
8.7
698
|
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
Feature Not Available
Not enough data
9.0
1575
Not enough data
9.2
1593
Not enough data
8.4
1163
Not enough data
8.4
1087
Not enough data
Feature Not Available
Not enough data
8.9
556
Not enough data
9.0
582
Not enough data
Administration
Feature Not Available
Not enough data
Feature Not Available
Not enough data
8.5
1492
Not enough data
8.5
1343
Not enough data
Feature Not Available
Not enough data
8.6
465
Not enough data
8.4
458
Not enough data
8.3
444
Not enough data
Security
8.6
626
Not enough data
Feature Not Available
Not enough data
8.6
1148
Not enough data
8.8
1330
Not enough data
8.6
460
Not enough data
Development
8.3
1265
Not enough data
Feature Not Available
Not enough data
8.4
1086
Not enough data
8.7
1185
Not enough data
Platform
8.9
1444
Not enough data
8.9
1326
Not enough data
8.8
1306
Not enough data
8.7
1060
Not enough data
8.6
1053
Not enough data
Feature Not Available
Not enough data
8.6
455
Not enough data
8.8
474
Not enough data
Agentic AI - Payment Gateways
8.6
47
Not enough data
8.2
46
Not enough data
8.3
46
Not enough data
Installment Payment and Buy Now Pay Later (BNPL)Hide 11 FeaturesShow 11 Features
8.6
187
Not enough data
Administration - Installment Payment and Buy Now Pay Later (BNPL)
8.9
163
Not enough data
8.9
157
Not enough data
8.7
162
Not enough data
8.5
150
Not enough data
Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)
8.8
164
Not enough data
8.8
163
Not enough data
8.8
149
Not enough data
8.7
154
Not enough data
Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features
8.4
15
Not enough data
8.2
15
Not enough data
8.3
15
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
223
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
9.3
223
Not enough data
9.1
205
Not enough data
9.3
214
Not enough data
9.0
203
Not enough data
Administration
8.9
199
Not enough data
9.0
205
Not enough data
7.5
229
Not enough data
8.8
190
Not enough data
8.6
465
Not enough data
8.4
458
Not enough data
8.3
444
Not enough data
Payment Options
8.9
556
Not enough data
9.0
582
Not enough data
Security
8.6
460
Not enough data
Platform
8.6
455
Not enough data
8.8
474
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
Architecture
8.6
30
Not enough data
8.7
31
Not enough data
8.9
31
Not enough data
Processing
9.0
31
Not enough data
8.9
31
Not enough data
8.8
31
Not enough data
9.0
31
Not enough data
9.1
31
Not enough data
Risk & Compliance
8.4
30
Not enough data
8.7
31
Not enough data
8.8
31
Not enough data
Analytics
8.8
31
Not enough data
8.8
31
Not enough data
8.2
31
Not enough data
Agentic AI - Payments Orchestration
9.1
22
Not enough data
9.1
23
Not enough data
Agentic AI - SAP Store
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
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
PayPal Payments and Xero share no categories
Unique Categories
PayPal Payments is categorized as Payments Orchestration, SAP Store, Payment Processing, Installment Payment and Buy Now Pay Later (BNPL), and Payment Gateways
Xero is categorized as Invoice Management, Inventory Control, Expense Management, Billing, Accounting, and Nonprofit Accounting
Reviews
Reviewers' Company Size
PayPal Payments
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
Computer Software
6.9%
Marketing and Advertising
6.8%
Information Technology and Services
6.7%
Retail
5.6%
Internet
3.8%
Other
70.3%
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
Allow visa gift card
8 Comments
AH
I used to know about Visa card and virtual master card on paypal 2 years ago...Possibly good and also accept payments on main and data endRead more
PayPal Is NOt Returning USD 40,000 they kept for 180 Days After account suspension
7 Comments
LK
It is possible to get money back, if they Took it from you. Check here:
https://aupdamages.com
Select your country and get Information on how to...Read more
What is PayPal Credit used for?
7 Comments
SR
Instead of using your main bank card online, you can use the PayPal credit card, keeping your bank details more private.Read more
Hunting for software insights?
With over 3 million reviews, we can provide the specific details that help you make an informed software buying decision for your business. Finding the right product is important, let us help.
