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Xero Payments

Xero Payments

Xero Accounting Payments

VS

Stripe

SaaS & Developers

Stripe
Fees from
1.5% - 2.9% per transaction vs 2.9% + $0.30
Features

1 shared

5 unique to Stripe
Regions

3 shared

4 unique to Stripe
Pay methods

4 shared

1 unique to Xero Payments · 16 unique to Stripe
On payment methods

Stripe supports 20 payment methods, 15 more than Xero Payments. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Xero Payments Xero Payments
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
1.5% - 2.9% per transaction
2.9% + $0.30
Settlement
Time to receive funds
2–3 business days
2–4 business days
Founded
2006
2010
Headquarters
Wellington, New Zealand
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
Stripe leads (20 vs 5)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
—
✓
Direct Debit Unique
✓
—
Discover Unique
—
✓
Google Pay
✓
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Paypal Unique
—
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Stripe leads (7 vs 3)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓

Xero Payments is best when you...

Xero Accounting Payments
View Xero Payments

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Xero Payments
Need Enterprise
Not available with Xero Payments
Want coverage in Africa, Asia, Latin America, Middle East
Xero Payments doesn't cover these regions
View Stripe

Frequently Asked Questions

What is the difference between Xero Payments and Stripe?
Xero Payments is best for Xero Accounting Payments, while Stripe is best for SaaS & Developers. Xero Payments charges 1.5% - 2.9% per transaction and Stripe charges 2.9% + $0.30. They differ in supported features, regions, and payment methods.
Which is cheaper, Xero Payments or Stripe?
Xero Payments charges 1.5% - 2.9% per transaction while Stripe charges 2.9% + $0.30. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Xero Payments and Stripe together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Xero Payments and Stripe can complement each other.
How do Xero Payments and Stripe differ in their focus?
Xero Payments is focused on Xero Accounting Payments, while Stripe focuses on SaaS & Developers. They serve different market segments with different strengths.

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