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Stripe Terminal VS Xero

Compare Stripe Terminal VS Xero and see what are their differences

FreshBooks
The ideal accounting software for small business owners. featured
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Stripe Terminal logo Stripe Terminal

The programmable point-of-sale solution 💳🛠️

Xero logo Xero

Xero is online accounting for your small business.
  • Stripe Terminal Landing page
    Landing page //
    2023-06-17
  • Xero Landing page
    Landing page //
    2023-10-19

Stripe Terminal

Website
stripe.com
Pricing URL
-
$ Details
-
Edit details

Xero

Website
xero.com
Pricing URL
Official Xero Pricing
$ Details
paid Free Trial $9.0 / Monthly (Send 5 invoices and quotes / Enter 5 bills)
Edit details

Stripe Terminal features and specs

  • Integration with Stripe Ecosystem
    Seamlessly integrates with other Stripe services, allowing businesses to unify online and offline payments into a single platform.
  • Customizability
    Offers a high level of customization to fit specific business needs, including tailored payment flows and branded receipts.
  • Hardware Options
    Provides a variety of hardware options that cater to different business needs, from mobile card readers to countertop smart terminals.
  • Developer-Friendly
    Includes extensive documentation and SDKs for iOS, Android, and JavaScript, making it easy for developers to build custom POS solutions.
  • Global Availability
    Available in multiple countries with support for numerous currencies, enabling businesses to operate globally with ease.

Possible disadvantages of Stripe Terminal

  • Cost
    Costs can add up with transaction fees, hardware purchases, and potential development expenditures for custom setups.
  • Setup Complexity
    Can be complex to set up and integrate without sufficient technical expertise, potentially requiring developer resources.
  • Limited Offline Capability
    Dependent on internet connectivity for transactions; limited offline capabilities may not suit all business environments.
  • Geographic Limitations
    Despite global reach, some specific features and hardware might not be available in all regions, which can hinder operations in certain countries.
  • Technical Support
    Users report that while support is available, response times can vary, potentially causing delays if issues arise during business hours.

Xero features and specs

  • Cloud-based Access
    Xero is cloud-based, allowing users to access their accounting data from anywhere with an internet connection.
  • User-friendly Interface
    Xero features a clean, intuitive interface, making it easier for users to navigate and manage their finances.
  • Integration Options
    Xero integrates with a wide range of third-party applications, enhancing its functionality and flexibility for business needs.
  • Real-time Updates
    Xero provides real-time updates on financial data, enabling more accurate and timely decision-making.
  • Comprehensive Feature Set
    Includes a variety of tools for invoicing, bank reconciliation, inventory management, and more, making it a one-stop solution for many businesses.
  • Customer Support
    Offers 24/7 customer support, ensuring that users can get help whenever they need it.

Possible disadvantages of Xero

  • Cost
    While Xero offers a range of pricing plans, the cost can add up, especially for small businesses or freelancers on a tight budget.
  • Complexity for Larger Businesses
    May not be as robust in handling the needs of very large businesses compared to some of its enterprise-level competitors.
  • Learning Curve
    Despite its user-friendly interface, there can be a learning curve for users who are not familiar with accounting software.
  • Limited Customization
    Some users may find the customization options for reports and invoices to be limited compared to other accounting software.
  • Occasional Connectivity Issues
    As a cloud-based service, it can sometimes suffer from internet connectivity issues that can disrupt access to financial data.

Analysis of Xero

Overall verdict

  • Overall, Xero is a highly recommended accounting solution, especially for small to medium-sized businesses seeking efficient and scalable accounting software. Its ease of use, combined with comprehensive features, makes it a popular choice among business owners and accountants alike.

Why this product is good

  • Xero is considered a good accounting software for several reasons. It provides a user-friendly interface and offers robust cloud-based features such as invoicing, inventory tracking, and payroll management. It integrates with a wide range of third-party applications, which helps in automating various business processes. Xero is also appreciated for its mobile app, enabling users to manage their finances on the go. Furthermore, Xero offers comprehensive customer support and detailed reporting tools that assist businesses in making informed financial decisions.

Recommended for

    Xero is particularly recommended for small to medium-sized businesses, freelancers, accountants, and bookkeepers who need an efficient, scalable, and integrated accounting solution. It is also ideal for businesses that seek seamless collaboration between team members and wish to manage their finances through a cloud-based platform.

Stripe Terminal videos

+ Add

Dev Chats: Stripe Terminal

More videos:

  • Demo - 🔥How to Setup POS Machine Card Reader Using Stripe Terminal | 🔥Working Demo of Successful Payment

Xero videos

+ Add

Xero vs QuickBooks Online 2019

More videos:

  • Review - Xero Accounting Software Review
  • Review - 3 Minute Overview of Xero Accounting Software

Category Popularity

0-100% (relative to Stripe Terminal and Xero)

Stripe Terminal

Xero

Online Payments
100 100%
Online Payments
0% 0
Accounting
0 0%
Accounting
100% 100
Productivity
100 100%
Productivity
0% 0
Bookkeeping
0 0%
Bookkeeping
100% 100

User comments

Share your experience with using Stripe Terminal and Xero. For example, how are they different and which one is better?
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Reviews

These are some of the external sources and on-site user reviews we've used to compare Stripe Terminal and Xero

Stripe Terminal Reviews

We have no reviews of Stripe Terminal yet.
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Xero Reviews

11 Alternatives to QuickBooks in 2024
Xero lets you access your finances on any device with an internet connection and automatically imports all of your transactions. It also gives you (and your accountant) many of the financial reporting features that make QuickBooks so attractive, without the feature overload. An inexpensive alternative, packages are starting at just $15/month and going up to $78/month...
Source: www.bench.co
Top 3 Best Xero Payroll Alternatives in Australia
Xero Payroll has long been a popular choice for businesses managing payroll, especially among small and medium-sized enterprises (SMEs). However, recent changes in pricing and plan availability are prompting many business owners to look for alternatives. As of July 2024, Xero's Payroll-Only plan will no longer be available, and the comparable plan costs a significant amount...
Source: newshub.medianet.com.au
The 10 Best Alternatives to GnuCash for Managing Your Finances
Xero is a cloud-based accounting software platform designed for small and medium-sized businesses. With a user-friendly interface and seamless integration with third-party apps, Xero simplifies financial management and helps businesses keep their finances organized and up to date.
Source: www.findmycrm.com
Top 10 QuickBooks Alternatives (Free/Paid)
Xero is the best yet small accounting software that allows you to collaborate with advisors and lets you provide access to your employees to work on it. Using this free version of QuickBooks Desktop, you can send online invoices when online payments are made. Xero is a cloud-based accounting software designed for small to medium-sized businesses, offering a wide range of...
Source: www.geeksforgeeks.org
Top 9 NetSuite Alternative Software for Professional Services
Xero offers an accessible, intuitive user experience suitable for smaller companies. However, certain reviewers have noted that the pricing points can be high for the tool’s value. As Xero doesn’t provide end-to-end project management support, investing in a unified platform with Xero integration is something you can consider.
Source: productive.io

Social recommendations and mentions

Based on our record, Stripe Terminal should be more popular than Xero. It has been mentiond 10 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Stripe Terminal mentions (10)

  • Stripe Terminal iOS & Android SDK
    Hey, I'm creating a POS system and want to integrate Stripe Terminal for accepting in-person payments. I need to have offline capabilities so the server-driven integration is no option sadly. So I'll need to use their iOS & Android SDK's. Can anyone help me with this? Or tell me how to integrate two SDK's into a flutter app? (I'll probably be using the BBPOS WisePad 3). Source: about 2 years ago
  • Gesture-based payments
    Finally, using gestures solely would only work if a customer is part of a program that already possesses their credit card details. If a gesture is not used as a confirmation input but as the payment method itself, we need some way to match payment details to this gesture and this user. For example, let’s imagine that a customer wants to pay with gestures that they trained on their smartwatch. We could imagine a... - Source: dev.to / over 2 years ago
  • Making a point of sale app
    The short answer here is: there's companies which will provide you a cloud API to interact with a card reader they provide, and that's the least awful way to use one. These include Stripe (https://stripe.com/terminal), Square (https://squareup.com/us/en), SumUp (https://sumup.com/), and going towards the enterprise end, things like Adyen (https://www.adyen.com/pos-payments). Source: over 2 years ago
  • Can I integrate Stripe terminal with my POS system?
    We'd love to have you! Make your way to stripe.com/terminal and go through the docs. There's a nice sample that uses a simulator to show you how to get it done. Source: over 3 years ago
  • Apple unveils contactless payments via Tap to Pay on iPhone
    Stripe does have a physical terminal too (https://stripe.com/terminal) but I've never seen it at a merchant. - Source: Hacker News / over 3 years ago
View more

Xero mentions (1)

  • I would like some input on accounting software
    Thanks, will you be able to sign me up on South African packages as well? The naming scheme and pricing is different for xero.com/us and xero.com/za. Source: over 3 years ago

What are some alternatives?

When comparing Stripe Terminal and Xero, you can also consider the following products

Square Register - A fully integrated point of sale (POS) system 💰

FreshBooks - The ideal accounting software for small business owners.

Shopify Tap & Chip Reader - Mobile POS hardware that connects to the rest of Shopify

QuickBooks Online - QuickBooks Online is a Cloud Accounting for small business that can be used on iPad, mobile phone or computer to do invoicing, billing, run reports, or even pay employees online.

Stripe Elements - Beautiful, smart checkout flows 💳💸

QuickBooks - Business runs better with QuickBooks, the #1 accounting solution for small business.

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