Xero vs Patriot Accounting

Two accounting tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	XeroXero Ltd	Patriot AccountingPatriot Software
In one line	Cloud accounting with unlimited users on every plan	Plain US bookkeeping from $20 a month, with payroll from the same company
Starting price	From $27/mo	From $20/mo
Six-person team	$27/mo	$20/mo
Plans	Early $27/mo (20 invoices); Growing $59/mo; Established $97/mo; unlimited users, no per-user fees; intro offers often cut the first 3 months	Accounting Basic $20/mo (unlimited users); Accounting Premium $30/mo (estimates, recurring invoices, user permissions); 50% off the first 3 months; 30 days free
Pricing model	Free trial	Free trial
Free trial	30 days	30 days
Users	Unlimited	Unlimited
Both connect to	Stripe Invoicing
Also connects to	Square POS, Shopify POS, Gusto, Rippling, Deel, Shopify, Mercury, Relay +31 more1,000+ listed by the vendor	Patriot Payroll
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people
Available in	US · UK · CA · AU	US
Phone support	None listed	Every plan
Live chat	None listed	Every plan
Support hours	Web form: 24/7	Phone: 9a.m. - 7p.m. ET, Monday - Friday
Incidents posted	26 incidents posted on Xero Ltd's status page, which covers all Xero Ltd products and regions, in the 90 days to Oct 27, 2026; 10 marked major or critical by Xero Ltd. Status page	2 incidents posted on Patriot Software's status page, which covers all Patriot Software products and regions, in the 90 days to Oct 27, 2026; 2 marked major or critical by Patriot Software. Status page
Capterra score	4.4 / 5 from 3,332 reviews	4.8 / 5 from 3,966 reviews
Trustpilot score	4.1 / 5 from 11,478 reviews	Not listed
Fit: Retail shop	84	60
Fit: Restaurant or café	80	55
Fit: Service business	88	82
Fit: Agency or studio	90	70
Fit: Trades or contractor	84	80
Fit: Online store	85	45
Why people pick it	Unlimited users Clean interface Good for multi-currency	Low price with US phone support Pairs with Patriot Payroll
Where it falls short	Early plan limits are tight Fewer US accountants use it	US only No inventory or multi-currency
	Visit Xero ↗	Visit Patriot Accounting ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices