Xero
Cloud accounting platform with bank reconciliation, invoicing, multi-currency support, and 1,000+ marketplace integrations for small businesses worldwide.
3.6 /5 composite score
C1 4/5 reflects published subscription pricing from $20/mo with a trial, C2 4/5 reflects the REST API and webhooks, and C5 4/5 reflects Stripe, PayPal, Square, Gusto, Shopify, Zapier, and HubSpot integrations. File exchange includes CSV, Excel, and PDF; firm-size fit is solo to small-team.
Solid
Rubric Scorecard
| Criterion | Score | Evidence |
|---|---|---|
| Value for the price | 4/5 | Subscription, from $20 Source → |
| Agent Friendliness | 4/5 | API: REST (developer.xero.com, OAuth 2.0) |
| Ease of adoption | 3/5 | -- |
| Portability & lock-in | 3/5 | 3 file formats |
| Interoperability | 4/5 | 7 integrations |
Pricing
ModelSubscription
Entry price$20
Free tierno
Free viewerno
Trialyes
How we verified this: we checked Xero against its live site and an independent source — capterra.com. Nothing on this page is listed from memory. See how we grade. Verified 2026-07-18.
Evidence
File formats
| Format | Direction | Support |
|---|---|---|
| CSV | unknown | unknown |
| Excel | unknown | unknown |
| unknown | unknown |
Integrations
Stripe PayPal Square Gusto Shopify Zapier HubSpot
Sources
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