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E-commerce · head to head

Checkout.com vs Xero

C

Checkout.com

E-commerce

Your business deserves tailored pricing based on your needs

From
On request
Rated
-
Full reviewWebsite
Xero logo

Xero

All industries

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Checkout.com checkout.com/pricing publishes no per-transaction percentage or fixed fee; pricing is set per business profile and risk category through direct sales contact, per the vendor's own pricing page (Aug 2026); 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 Checkout.com and Xero actually diverge.

Attributes where Checkout.com and Xero differ
AttributeCheckout.comXero
Starting priceOn request$13/month
Pricing modelquotesubscription
PlatformsWebWeb, Ios, Android, Api
CategoryE-commerceAll industries
FoundedUnknown2006

Identical on both: free tier (No), user rating (Not yet rated).

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 Checkout.com

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.

Checkout.com

No use cases recorded yet. See the Checkout.com review.

Xero

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

Where each one falls short

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

Checkout.com

  • checkout.com/pricing publishes no per-transaction percentage or fixed fee; pricing is set per business profile and risk category through direct sales contact, per the vendor's own pricing page (Aug 2026)
  • Choosing between the flat-rate and Interchange++ pricing models requires contacting the sales team, since neither model's rate is quoted publicly on the page

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

Checkout.com

On request

No published plan breakdown. See the Checkout.com 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 Checkout.com if

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

Checkout.com 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 Checkout.com or Xero better?
Neither clearly leads. Checkout.com 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, Checkout.com or Xero?
Checkout.com starts at On request and Xero at $13/month.
Does Checkout.com or Xero run on more platforms?
Checkout.com runs on Web. Xero runs on Web, Ios, Android, Api.
What can Checkout.com do that Xero cannot?
Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.
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