GoCardless vs Xero
What each one’s own pages state, side by side. Every value is a quote AirStack found on that product’s pages; “Not observed” means AirStack has not found it on that product’s pages.
| GoCardless | Xero | |
|---|---|---|
| What it says it does | Collect and send payments, minimise failures, and fight fraud. gocardless.com | Accounting Software for Small Businesses | Xero US xero.com |
| Starting at | Not observed | $27 Early / month |
| Integrations | QuickBooks, Xero, Zuora gocardless.com | Shopify, Etsy, Revolut Business apps.xero.com |
| Compliance | GDPR, ISO 27001 gocardless.com | ISO 27001, SOC 2 xero.com |
| Free plan | Not observed | Yes developer.xero.com |
| Plans | Advanced, Pro, Standard, Custom gocardless.com | Early, Established, Growing xero.com |
| Pricing basis | Pay as you go. No setup costs. No hidden fees. gocardless.com | Xero subscriptions auto-renew monthly until they are cancelled. xero.com |
| Customers (their claim) | Trusted by 100,000+ businesses gocardless.com | Used by 5 million customers worldwide. xero.com |
Where they differ
- Xero’s pages state a free plan; AirStack has not found that on GoCardless’s pages.
- GoCardless claims GDPR on its own pages; Xero’s pages read by AirStack do not mention it.
- Xero claims SOC 2 on its own pages; GoCardless’s pages read by AirStack do not mention it.
Prices are list prices as written on each pricing page; check them before you buy. Nothing here is a ranking or a recommendation.