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Software · head to head

Authorize.net vs Xero

A

Authorize.net

Software

We help make it easy to get paid

From
On request
Rated
-
Full reviewWebsite
Xero logo

Xero

Software

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Authorize.net all-in-One plan charges a $25 monthly gateway fee plus 2.9% + 30 cents per transaction on top of it; Xero the Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending

Where they differ

Only the attributes on which Authorize.net and Xero actually diverge.

Attributes where Authorize.net and Xero differ
AttributeAuthorize.netXero
Starting priceOn request$13/month
PlatformsWebWeb, Ios, Android, Api
FoundedUnknown2006

Identical on both: pricing model (subscription), free tier (No), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Authorize.net

Nothing recorded that Xero does not also cover.

Only in Xero

  • Bank reconciliation
  • Invoicing
  • Bill payment
  • Expense claims
  • Financial reporting
  • Inventory tracking
  • Project tracking
  • Mobile apps

What people use each for

The jobs each tool is most often brought in to do.

Authorize.net

No use cases recorded yet. See the Authorize.net review.

Xero

  • Small business bookkeeping, invoicing and bank reconciliationnot Authorize.net
  • Bill payment and purchase order managementnot Authorize.net
  • Sharing books with an accountant or bookkeepernot Authorize.net

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Authorize.net

  • All-in-One plan charges a $25 monthly gateway fee plus 2.9% + 30 cents per transaction on top of it
  • eCheck processing carries its own $10 monthly minimum fee separate from the card processing charges

Xero

  • The Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • Invoices created by connected app partners count against the Early plan invoice limit
  • Multiple currencies, project time and cost tracking, employee expense and mileage claims and industry benchmarking are restricted to the top Established plan at $90 per month
  • Cash flow forecasting is capped at 30 days on Early and 60 days on Growing, with 180 days only on Established
  • Payroll is not included in any plan and costs an extra $36 a month plus $6 per employee or contractor through Gusto
  • Inventory Plus is a paid optional add-on rather than part of any plan
  • The advertised 90% off applies only to the first 6 months, after which the regular $25, $55 or $90 monthly price auto-renews
  • The introductory discount excludes add-ons, usage charges and payment fees
  • Payment fees apply to online invoice payments and to bill payments other than standard domestic ACH, and are billed on top of the subscription
  • Subscriptions are billed monthly with no annual payment option, and after upgrading you must wait one month before downgrading to a cheaper plan
  • Xero states subscription prices are increasing from October 1, 2026

Pricing, plan by plan

Authorize.net

On request

No published plan breakdown. See the Authorize.net review.

Xero

$13/month
  • Early$13/month
    • Send 20 invoices
    • Enter 5 bills
    • Reconcile bank transactions
  • Growing$37/month
    • Unlimited invoices & bills
    • Bulk reconcile transactions
    • Short-term cash flow
  • Established$70/month
    • Everything in Growing
    • Use multiple currencies
    • Track projects

Which should you pick?

Choose Authorize.net if

Nothing in the data separates Authorize.net from Xero on the points above - pick on price and on how each one feels to use.

Authorize.net review

Choose Xero if

  • You need bank reconciliation.
  • You work on Web, Ios, Android, Api.
  • You also want invoicing.
Xero review

Questions people ask

Is Authorize.net or Xero better?
Neither clearly leads. Authorize.net starts at On request and Xero at $13/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Xero?
Authorize.net starts at On request and Xero at $13/month.
Does Authorize.net or Xero run on more platforms?
Authorize.net runs on Web. Xero runs on Web, Ios, Android, Api.
What can Authorize.net do that Xero cannot?
Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.
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