Xero vs SumUp vs Square Point of Sale vs ShopKeep Comparison
Xero
Starting at $3.75 /month
- Free Trial
- Freelancers / Consultants
- Medium Business
Xero software is a cloud-based accounting system that helps businesses manage their finances, run payroll, and save time so they can focus on growing their business. This single platform connects all your finances and in…
SumUp
Starting at $0 /month
- Large Enterprises
- Medium Business
SumUp is a trusted financial technology company operating in 32 countries across three continents. We aid small business owners by making it quick, secure, and cost-effective to accept card payments online, in-app, and i…
Square Point of Sale
Starting at Contact for pricing
- Large Enterprises
- Medium Business
Square Point of Sale, the ultimate choice for businesses searching for an easy-to-use POS system. With its user-friendly design, you can effortlessly process transactions, track customer purchases, and collect feedback f…
ShopKeep
Starting at Contact for pricing
- Free Trial
- Medium Business
- Small Business
ShopKeep is an easy-to-use, cloud-based iPad POS software. It's powerful enough for big businesses and light enough for small ones. There's rich reporting, customer analytics and integration with all the products you use…
Xero leads on user satisfaction with a 4.7-star rating across 4,199 reviews.
Xero vs SumUp vs Square Point of Sale vs ShopKeep — at a glance
| Feature | Xero | SumUp | Square Point of Sale | ShopKeep |
|---|---|---|---|---|
| Rating | 4.7 / 5 | 4.4 / 5 | 4.5 / 5 | 3.0 / 5 |
| Reviews | 4,199 | 9,413 | 518 | 187 |
| Starting price | $3.75 /month | $0 /month | Contact for pricing | Contact for pricing |
| Free trial | Yes | No | No | Yes |
| Free version | No | No | No | No |
| Best for | Freelancers / Consultants, Medium Business, Small Business | Large Enterprises, Medium Business, Small Business | Large Enterprises, Medium Business, Small Business | Medium Business, Small Business |
| Category | Accounting Software | POS Software | POS Software | Retail Software |
| Integrations | 14+ apps | 8+ apps | — | — |
| Platforms | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS | SaaS/Web/Cloud, Mobile - iOS |
| API | Available | Available | Available | — |
| Support modes | 24/7 (Live rep), Online | Business Hours, Online | Business Hours, Online | 24/7 (Live rep), Business Hours, Online |
| Certifications | SOC 2, GDPR, ISO 27001 | SOC 2, GDPR | SOC 2, GDPR | — |
| Data residency | Global | Global | US | Global |
Key differences between Xero and SumUp
- Pricing: Xero starts at $3.75 /month, while SumUp starts at $0 /month.
- Free trial: Xero offers a free trial; SumUp does not.
- Target audience: Xero is built for Freelancers / Consultants and Medium Business, while SumUp targets Large Enterprises and Medium Business.
- User satisfaction: Xero scores higher with a 4.7-star average.
- Deployment: Xero supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS; SumUp supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.
Compare Xero vs SumUp vs Square Point of Sale vs ShopKeep — and walk away knowing which one fits.
Which tool fits your team best
Which is actually cheaper for your team size
Where each product wins, per real buyers
Most Accounting Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.
Biggest differences
Features
Pricing
Buying details
Security
Buyer feedback
Integrations
Product tour
Other options
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Biggest differences
Start here before you go deeper into features.
Best for small businesses needing user-friendly, cloud-based accounting with strong support.
- You are a small business or professional services firm with up to 50 employees.
- You want an intuitive interface with real-time collaboration for multiple users.
- You value highly responsive and knowledgeable customer support for troubleshooting.
- You are a large enterprise requiring complex, multi-entity accounting features.
- You need extensive self-service options for advanced accounting processes without relying on support.
Large Enterprises, Medium Business, Small Business
Best for small to mid-sized retail and food businesses needing simple POS.
- You want an easy-to-use POS with quick transaction processing.
- You need integrated inventory management and sales reporting.
- You require mobile device compatibility and hardware like Square Terminal.
- Your business is a large enterprise needing extensive customization.
- You require complex, multi-location inventory management capabilities.
Best for small to mid-sized retail and hospitality businesses needing easy iPad POS.
- You want a simple, cloud-based iPad POS that works right out of the box.
- Your business is a retail shop, restaurant, or salon with up to 200 employees.
- You need quick setup with reliable performance and useful business analytics.
- You are a large enterprise requiring complex POS customizations and hardware integrations.
- You need consistently responsive customer service and guaranteed hardware compatibility.
Xero typically suits Freelancers / Consultants and Medium Business. SumUp tends to fit Large Enterprises and Medium Business better. The right choice depends on your team size, workflow, and whether a free trial matters.
Description | Xero software is a cloud-based accounting system that helps businesses manage their finances, run payroll, and save time so they can focus on growing their business. This single platform ... Read More about Xero | SumUp is a trusted financial technology company operating in 32 countries across three continents. We aid small business owners by making it quick, secure, and cost-effective to accept card ... Read More about SumUp | Square Point of Sale, the ultimate choice for businesses searching for an easy-to-use POS system. With its user-friendly design, you can effortlessly process transactions, track customer ... Read More about Square Point of Sale | ShopKeep is an easy-to-use, cloud-based iPad POS software. It's powerful enough for big businesses and light enough for small ones. There's rich reporting, customer analytics and ... Read More about ShopKeep |
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SpotScoreWhat's this? ↗ | 9.6/10 | Not Available | 9.2/10 | 9.8/10 |
User RatingsBased on verified Spotsaas reviews | ||||
Best Company Size | 1-50 employeesSmall Business | — | 1-50 employees51-500 employees | 1-50 employees51-200 employees |
Get pricing help |
Where each option fits best
See where each product is strongest, which teams it fits, and what causes buyers to keep looking — before you commit.
Based on buyer reviews and verified product data collected by Spotsaas.
Key strengths
- Simplified Financial Management: With Xero, you can easily manage your business finances in one place. Users appreciate the intuitive dashboard that provides a clear overview of cash flow, invoices, and expenses at a glance.
- Real-Time Collaboration: Xero allows multiple users to access and work on financial data simultaneously. This feature builds collaboration among teams, keeping everyone aligned and current without emailing spreadsheets back and forth.
- Automated Processes: Say goodbye to tedious manual entries! Xero automates recurring invoicing and bank reconciliation, saving you precious time that you can redirect towards strategic planning and growth initiatives.
No key benefits available yet.
No key benefits available yet.
No key benefits available yet.
Best fit
- 1-50 employees
- Accounting, Retail, Hospitality, Non-Profit, Professional Services
- Accountants, Bookkeepers, Business Owners, Finance Managers, Operations Managers
No best-fit guidance available yet.
No best-fit guidance available yet.
No best-fit guidance available yet.
Reasons buyers look elsewhere
- Users may seek alternatives to Xero due to its pricing structure, especially for small businesses or startups that require budget-friendly accounting solutions without compromising essential features.
- Some businesses might find Xero’s interface challenging, prompting them to explore options that offer a more intuitive and user-friendly experience for their team members.
- Companies with specific industry needs might find that Xero lacks certain tailored functionalities, leading them to consider alternatives that provide specialized features for their sector.
No alternatives guidance available yet.
No alternatives guidance available yet.
No alternatives guidance available yet.
Software Demo
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How do Xero, SumUp, Square Point of Sale and ShopKeep Compare on Features?
Total Features | 17 Features | 14 Features | 11 Features | 24 Features |
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Unique Features | No unique features | No unique features | No unique features | No unique features |
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Compare Xero, SumUp, Square Point of Sale and ShopKeep on pricing
Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.
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Other Details
Organization Types supported |
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Security & Compliance
Certifications, data handling, and security controls for IT and compliance evaluators.
SOC 2 | ✓ Yes | ✓ Yes |
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HIPAA | ✗ No | ✗ No |
GDPR | ✓ Yes | ✓ Yes |
ISO 27001 | ✓ Yes | — |
Single Sign-On (SSO) | ✓ Yes | ✓ Yes |
Multi-Factor Auth (MFA) | ✓ Yes | ✓ Yes |
Data Encryption | ✓ Yes | ✓ Yes |
Audit Logs | ✓ Yes | ✓ Yes |
Data Residency | 🌐 Global | 🌐 Global |
Xero vs SumUp vs Square Point of Sale User Reviews & Rating Comparison
User Ratings | 4.5 (based on 518 reviews) | |||
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Rating Distribution | ||||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Overall positive sentiment highlights Xero's ease of use and excellent customer support, though some users note challenges with initial support access and advanced features. What buyers like
Common complaints
| Buyer sentiment Buyer sentiment is positive across 10049 reviews, with strong overall satisfaction. What buyers like
Common complaints
| Buyer sentiment Buyers generally appreciate Square POS for its ease of use and hardware integration but note limitations in advanced features and pricing clarity. What buyers like
Common complaints
| Buyer sentiment Users generally appreciate the ease of use and business insights but express frustration with inconsistent support and hardware issues. What buyers like
Common complaints
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Pros and Cons |
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Positive Reviews | No reviews available for the product | No reviews available for the product | No reviews available for the product | No reviews available for the product |
| Negative Reviews | No reviews available for the product | No reviews available for the product | No reviews available for the product | No reviews available for the product |
Integrations
Integration with other apps | No Integration information available. | No Integration information available. |
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List of Customers
Customers |  Coco cubano |  DHL  FLiXBUS | No Customers information available. | No Customers information available. |
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Media and Screenshots
Screenshots |  3 Screenshots |  1 Screenshots |
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Videos |  2 Videos |  3 Videos |
Alternatives
Alternatives |
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
Frequently asked questions
- Which is better, Xero or SumUp?
- Xero edges out the other on user ratings (4.7 vs 4.4). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Xero and SumUp offer a free trial?
- Xero offers a free trial. SumUp does not.
- What is the starting price of Xero vs SumUp?
- Xero starts at $3.75 /month. SumUp starts at $0 /month.
- What are the top alternatives to Xero?
- Top alternatives to Xero include Zoho Books, Quickbooks, Sage Accounting (Sage One), Zoho Daybook, QuickFile.
- What are the top alternatives to SumUp?
- Top alternatives to SumUp include Square Point of Sale, ShopKeep, Lightspeed Retail, WePay, Square Payments.