Our Verdict
Based on ratings, features, pricing, and capabilities, Square edges ahead in this comparison. Square scores higher on user ratings and overall feature set.
Feature
Square
Xero
Rating
⭐ 4.8/5
⭐ 4.7/5
Free Plan
Starting Price
$19/mo
$15/mo
Monthly Visits
65.0M
24.0M
API Support
Open Source
AI Capabilities
Mobile App
Desktop App
Browser Extension
Integrations
4 apps
6 apps
Team Size
ENTERPRISE
SMB
Square Pros & Cons
Pros
- Reliable infrastructure
- Fast intuitive user interface
- Broad ecosystem integration
Cons
- Full feature set requires paid plan
Xero Pros & Cons
Pros
- Unlimited users without per-seat penalty
- Clean, modern, aesthetic interface
- Excellent multi-currency support on established plans
Cons
- Entry-level plan has a strict 20 invoice/month limit
- Payroll functionality requires Gusto partnership in the US
Square Key Features
- Cloud Sync
- Multi-platform Access
- Collaboration Tools
- Export & Integrations
- Security & Encryption
Xero Key Features
- Unlimited Users on All Plans
- Automated Daily Bank Feeds
- Smart Bank Reconciliation
- Claim Expenses
- Hubdoc Bill Capture