Paydirt vs Xero

Paydirt vs Xero

When evaluating Paydirt vs Xero for your business invoicing and accounting needs both platforms offer comprehensive solutions but target different market segments with distinct approaches to pricing, features, and user experience.

For service-based businesses, Paydirt and Xero both provide necessary invoicing features. However, Xero is a more complete business management solution because it also includes features like file upload and mileage tracking.

Paydirt caters to larger agencies and users on a budget by offering a free starter plan and tiers of pricing from $8/month to $149/month. With a longer 30-day trial period but no free plan, Xero provides a premium pricing model.

Paydirt has few mobile app options whereas Xero provides mobile accessibility for accounting and invoicing features. Because both platforms place a high value on user-friendly interfaces, Xero is a great option for access while on the go.

Compared to Paydirt’s email-only channels, Xero offers better integration with multiple payment gateways, accounting software compatibility, CRM options and automated financial data synchronization. It also offers 24/7 online support.

Although both platforms have strong security features such as dashboard metrics and data encryption, Xero has confirmed GDPR compliance and automatic cloud-based backup systems while Paydirt’s compliance status is still unknown.

Paydirt and Xero are invoicing solutions that provide scalable pricing options along with cost-effective project management and extensive accounting features For independent contractors, consultants and expanding agencies respectively.

In contrast to Xero, which offers extensive accounting functionality and round-the-clock support, Paydirt is best suited for independent contractors and small agencies with simple invoicing requirements.

Side-by-Side Comparison

Paydirt Xero
Core Features
Custom Templates Yes (customizable templates with branding) Yes
Send Estimates/Quotations Yes Yes
Recurring Billing Automation Yes Yes
Expense Tracking Yes Yes
Time Tracking Yes Yes
Mileage Tracking Not specified Yes
Automated Payment Reminders Yes Yes
Project-Based Billing Yes Yes
Tax Handling Yes Yes
User Permissions/Role Management Yes Yes
File Uploads Not specified Yes
Pricing and Plans
Free Plan Availability Yes No
Pricing Range Starter: $8/month
Hustler: $16/month
Co-op: $29/month
Small Team: $49/month
Large Team: $79/month
Agency: $149/month
Early: $2.50/month
Growing: $5.50/month
Established: $9/month
Trial Period 14-day free trial 30-day free trial
User Limits Starter: 1 user
Hustler: 1 user
Co-op: 3 users
Small Team: 6 users
Large Team: 10 users
Agency: 20 users
Varies by plan (Early plan supports basic users)
Client Limits Starter: 3 clients
Hustler: unlimited clients
Co-op: unlimited clients
Small Team: unlimited clients
Large Team: unlimited clients
Agency: unlimited clients
Plan-specific limits
Storage Limits Not specified No specific limits mentioned
Payment Processing Fees No extra Paydirt fees; standard PayPal and Stripe fees apply Standard payment gateway fees apply
Ease of Use
User Interface Simple and user-friendly Simple – very user-friendly accounting solution
Onboarding Experience Browser-based with guides and extensions Yes
Mobile App Availability No iOS and Android
Mobile App Functionality No Core invoicing and accounting features supported
Integration
Payment Gateways Supported PayPal and Stripe Multiple gateways (Stripe, PayPal, GoCardless)
Accounting Software Compatibility Limited integrations; data export supported Yes – broader range of integration options
CRM Integration Not specified Multiple CRM integrations
API Availability Yes Yes
Reporting & Analytics
Bank Connections No Yes
Pre-Built Financial Reports Yes Yes
Custom Report Creation Yes Yes
Security & Compliance
Dashboard Metrics Yes Yes
Data Encryption Yes Yes
GDPR Compliance Not specified Yes
Backup Options Not specified Automatic (cloud-based)
Customer Support
Support Channels Email 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 No Yes
Scalability Suitable for freelancers through large teams/agencies Freelancers to SMBs – Designed for small businesses and solopreneurs with room to grow
Read Paydirt Review Read Xero Review
Invoicemojo logo
Disclaimer: The reviews on InvoiceMojo are independently researched and not influenced by software vendors. While we strive to provide accurate, unbiased information, readers should conduct their own due diligence before making purchasing decisions. We may earn affiliate commissions from some links at no additional cost to you.
  • 275 New North Road Islington London N1 7AA United Kingdom
  • +448007074279
© 2025 We Do Mojo. All Rights Reserved.