Stripe vs Xero
Stripe and Xero are both finance & accounting — but they differ on pricing, features, and integrations. Stripe offers a free plan, while Xero is paid-only. Stripe has the lower entry price. They share 1 integration, including Shopify.
At a glance
| Stripe | Xero | |
|---|---|---|
| Category | Finance & Accounting | Finance & Accounting |
| Pricing model | Paid | Paid |
| Starting price | Paid | From $25/mo |
| Free plan | Yes | No |
| Integrations | 4 | 4 |
Stripe pricing
Pay-as-you-go
2.9% + 30¢
- Online payments
- No monthly fee
Custom
Volume pricing
- Interchange+
- Dedicated support
Xero pricing
Early
$25/mo
- 20 invoices/mo
- Bank reconciliation
Growing
$55/mo
- Unlimited invoices
- Bulk reconcile
Established
$90/mo
- Multi-currency
- Projects
- Expenses
Stripe integrations
- Shopify
- QuickBooks
- Xero
- WooCommerce
Xero integrations
- Stripe
- HubSpot
- Gusto
- Shopify
Which should you choose?
If budget is your priority, Stripe starts lower. Choose Stripe if you want payments infrastructure for the internet, or Xero if you need cloud accounting software for growing businesses. Review the full pricing and integrations above, then read each tool's profile for the details.