If you use Xero to accept credit card or ACH payments from your customers, there are two fees to watch:
Whether Xero is worth the fees depends on your business needs and size. If you're a small business with basic accounting needs, the Early plan may be sufficient. However, as your business grows, you may need to upgrade to a more comprehensive plan.
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Xero operates on a monthly subscription model with no lock-in contracts. This means you can upgrade, downgrade, or cancel your plan at any time. Xero offers different pricing tiers tailored to the growth stage of your business. While regional pricing and exact features may vary slightly by country, Xero generally structures its plans into four main categories: 1. Starter / Early Plan xero fees work
| Feature | Xero | QuickBooks Online | | :--- | :--- | :--- | | | ~$20/month for Early Plan | ~$38/month for Simple Start Plan | | User Limit | Unlimited users included on all plans | Limited (1-25 depending on plan) | | Next Tier Price | ~$47/month for Growing Plan | ~$65/month for Essentials Plan | | Top Tier Price | ~$80/month for Established Plan | $99-$235/month for Plus/Advanced Plans | | Discount Offers | 90% off first 3 months promo available | Less frequent deep discount offers |
The strict caps on invoices and bills mean growing businesses will quickly outgrow this tier. Standard Plan (or Growing Plan)
If you've been a Xero user for a few years, you’ve likely seen emails regarding price increases. If you use Xero to accept credit card
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: Unlike competitors who charge per seat, Xero allows you to add as many staff members or accountants as you need to one organization at no extra cost. Monthly Billing
The base plan fee is rarely the final cost. Xero charges additional fees for specific services and extra functionality. Additional Users Let me know which you are in to get the latest rates
Base plans usually include a limited number of users (often 1 in lower tiers). Extra users can cost approximately $10 per user per month. Payroll Fees
: Plans are billed monthly, but new users can often access a one-month free trial upon signing up.
If you connect payment gateways like Stripe, PayPal, or GoCardless to your Xero invoices so customers can pay online, you will pay standard transaction fees (e.g., 1.5% to 3% per transaction) to those payment processors.