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Compare Square Payments and Xero 
Featured Products
At a Glance
Market Segments
Small-Business (89.2% of reviews)
Small-Business (69.6% of reviews)
Entry-Level Pricing
No pricing available
$13.00 Per Month
Square Payments
Star Rating
(167)4.5 out of 5
Market Segments
Small-Business (89.2% of reviews)
Pros & Cons
Entry-Level Pricing
No pricing available
Learn more about Square PaymentsXero
Star Rating
(1,322)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 plansSquare Payments vs Xero
When assessing the two solutions, reviewers found Square Payments easier to use, set up, and administer. Reviewers also preferred doing business with Square Payments overall.
- Reviewers felt that Square Payments meets the needs of their business better than Xero.
- When comparing quality of ongoing product support, reviewers felt that Square Payments is the preferred option.
- For feature updates and roadmaps, our reviewers preferred the direction of Xero over Square Payments.
Pricing
Entry-Level Pricing
Square Payments
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
Square Payments
No trial information availableXero
Free Trial is available
Ratings
Meets Requirements
9.4
124
8.7
1,060
Ease of Use
9.5
125
8.9
1,113
Ease of Setup
9.1
50
8.6
806
Ease of Admin
9.2
41
8.7
372
Quality of Support
8.6
97
8.3
987
Has the product been a good partner in doing business?
8.9
41
8.6
367
Product Direction (% positive)
8.4
119
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
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
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
Payment Options
8.7
13
Not enough data
9.3
9
Not enough data
9.5
13
Not enough data
9.9
14
Not enough data
9.1
9
Not enough data
9.7
10
Not enough data
9.7
12
Not enough data
7.6
25
Not enough data
9.0
33
Not enough data
Administration
9.4
13
Not enough data
9.8
14
Not enough data
9.0
14
Not enough data
8.6
13
Not enough data
7.6
11
Not enough data
8.5
28
Not enough data
8.3
27
Not enough data
8.1
21
Not enough data
Security
9.0
8
Not enough data
9.7
10
Not enough data
9.4
8
Not enough data
9.5
11
Not enough data
8.9
32
Not enough data
Development
8.3
10
Not enough data
9.4
8
Not enough data
7.6
9
Not enough data
7.8
10
Not enough data
Platform
9.4
11
Not enough data
8.9
9
Not enough data
8.3
7
Not enough data
7.6
7
Not enough data
9.2
6
Not enough data
9.3
7
Not enough data
8.3
30
Not enough data
8.6
30
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
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
9.0
50
Not enough data
9.4
57
Not enough data
9.4
52
Not enough data
8.8
40
Not enough data
Administration
8.7
50
Not enough data
8.4
38
Not enough data
7.3
53
Not enough data
8.9
45
Not enough data
8.5
28
Not enough data
8.3
27
Not enough data
8.1
21
Not enough data
Payment Options
7.6
25
Not enough data
9.0
33
Not enough data
Security
8.9
32
Not enough data
Platform
8.3
30
Not enough data
8.6
30
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
Platform Basics
10.0
5
Not enough data
9.7
5
Not enough data
Platform Administration
7.7
5
Not enough data
9.7
5
Not enough data
9.7
5
Not enough data
Platform Payment Content
9.3
5
Not enough data
10.0
5
Not enough data
9.7
5
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
Square Payments and Xero share no categories
Unique Categories
Xero is categorized as Invoice Management, Inventory Control, Expense Management, Billing, Accounting, and Nonprofit Accounting
Reviews
Reviewers' Company Size
Square 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
Food & Beverages
10.8%
Health, Wellness and Fitness
7.0%
Retail
6.4%
Non-Profit Organization Management
5.7%
Information Technology and Services
4.5%
Other
65.6%
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
How do I get notifications from the app?
2 Comments
NC
Hello Read more
Can i use Sqare internationally?
2 Comments
HD
You can only use square internationally with cash payments, not card or tap-to-pay phone payments!Read more
Is Square software free?
2 Comments
BC
Yes, for the base POS (Point-Of-Sale) system, you will still be subject to the percentage on every card transaction you may. There are additional systems by...Read more
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