The size, complexity and financial management requirements of the company will determine whether to use Xero or Bill.com. While both platforms offer robust invoicing features, they differ in terms of target audience, pricing and support.
Bill.com provides a free plan suitable for startups while its paid plans range from $45 to $79 per month. Xero does not offer a free tier with subscriptions starting at $25. Although Xero’s entry-level plan is cheaper, Bill.com’s free option allows for initial testing at no cost. Both platforms offer trial periods but Xero has a defined 30-day free trial for evaluation.
Custom invoice templates, recurring billing, time and expense tracking, automated payment reminders and user permissions management are just a few of the key features that Bill.com and Xero share. Mobile apps are also available on both platforms. However, Xero is better suited for companies that are concerned with precise project tracking or mileage reimbursements due to its specialized features which specifically support project-based billing and mileage tracking.
Credit and debit cards, PayPal, wire transfers, paper checks and virtual cards are just a few of the payment options that Bill.com accepts. Card transactions are subject to a 2.9% fee. QuickBooks, Xero and other accounting programs can be easily integrated with both Bill.com and Xero. Several CRM integrations are supported by Xero and Bill.com connects with well-known CRMs like HubSpot and Salesforce.
In contrast to Bill.com’s constrained support hours, Xero sets itself apart with round-the-clock online customer service. In addition to features like bank connections, financial reports, GDPR compliance, data encryption and automatic backups both platforms feature robust onboarding and user-friendly interfaces.
For a free entry option, wide compatibility with accounting software and efficient scalability from freelancers to businesses, pick Bill.com. If you require project-based billing, round-the-clock assistance and an affordable paid plan, choose Xero. Strong invoicing features with support for multiple currencies and customization options are provided by both platforms. For efficient money management, give your budget, support requirements and particular features top priority.
| Bill.com | Xero | |
|---|---|---|
| Core Features | ||
| Custom Templates | Yes – Customizable invoice templates with branding alignment | Yes |
| Send Estimates/Quotations | Yes | Yes |
| Recurring Billing Automation | Yes | Yes |
| Expense Tracking | Yes | Yes |
| Time Tracking | Yes | Yes |
| Mileage Tracking | Limited information available | Yes |
| Automated Payment Reminders | Yes | Yes |
| Project-Based Billing | Limited information available | Yes |
| Tax Handling | Yes | Yes |
| User Permissions / Role Management | Yes | Yes |
| File Uploads | Yes | Yes |
| Pricing and Plans | ||
| Free Plan Availability | Yes | No |
| Pricing Range | Essentials: $45/month Team: $55/month Corporate: $79/month Enterprise: Custom pricing |
Early: $25/month Growing: $55/month Established: $90/month |
| Trial Period | Yes | 30-day free trial |
| User Limits | No specific user limits | Varies by plan (Early plan supports basic users) |
| Client Limits | No specific client limits | Plan-specific limits |
| Storage Limits | Unlimited | No specific limits mentioned |
| Payment Processing Fees | Credit/debit card: 2.9% per transaction | Standard payment gateway fees |
| Ease of Use | ||
| User Interface | Simple | Simple and user-friendly |
| Onboarding Experience | Yes | Yes |
| Mobile App Availability | iOS and Android | iOS and Android |
| Mobile App Functionality | Yes | Core invoicing + accounting features |
| Integration | ||
| Payment Gateways Supported | Credit Cards, Debit Cards, PayPal, Wire Transfer, Checks, Virtual Cards | Stripe, PayPal, GoCardless, and more |
| Accounting Software Compatibility | QuickBooks Online, QuickBooks Pro/Premier, QuickBooks Enterprise, Xero, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, FreshBooks, Abila, Acumatica, Sage 50/100 | Yes – extensive third-party integrations |
| CRM Integration | Salesforce, Zoho, Nimble, Microsoft Dynamics, HubSpot, Pipedrive, Zendesk, SugarCRM, ConnectWise, ServiceNow | Multiple CRM integrations available |
| API Availability | Yes | Yes |
| Reporting & Analytics | ||
| Bank Connections | Yes | Yes |
| Pre-Built Financial Reports | Yes | Yes |
| Custom Report Creation | Yes | Yes |
| Security & Compliance | ||
| Dashboard Metrics | Yes | Yes |
| Data Encryption | Yes | Yes |
| GDPR Compliance | Yes | Yes |
| Backup Options | Automatic | Automatic cloud backup |
| Customer Support | ||
| Support Channels | Chat, Email, Phone | 24/7 online support |
| Help Center / Knowledge Base | Yes | Yes |
| 24/7 Support | No | Yes |
| Adaptability | ||
| Multi-Currency Support | Yes | Yes |
| Localization | Yes | Yes |
| Industry-Specific Customization | Yes | Yes |
| Scalability | Freelancers, SMBs, Enterprises | Freelancers to SMBs |
| Read Bill.com Review | Read Xero Review |
