Invoicer vs Xero
Xero is a full accounting package: bank feeds and reconciliation, bills, a general ledger, reports and payroll add-ons, with a large ecosystem of apps and accountants who know it well.
Invoicer is not an accounting package. It does invoicing and getting paid, and it does them the Irish way: VAT invoices, card and direct debit payments, subscriptions, self-billing and e-invoice files.
Side by side
| Xero | Invoicer | |
|---|---|---|
| What it is | Full accounting software | Invoicing and getting paid |
| Bank feeds and reconciliation | Yes | No |
| Bookkeeping, ledger, reports | Yes | No |
| Invoices on the cheapest paid plan | 20 a month | No limit on invoices; plans are sized by active clients |
| Free plan | No (trial) | Yes, €0 |
| Card and direct debit | Through payment integrations | Card and SEPA Direct Debit through your own Stripe account |
| Section 71 self-billing with supplier acceptance | Not advertised | Yes |
| Built in | New Zealand, used worldwide | Ireland, for Irish businesses |
Prices
- Xero's pricing page showed three plans at 29, 50 and 75 a month. It showed them to our checker in US dollars, so Irish pricing may be shown differently to you.
- The cheapest plan was limited to 20 invoices and 5 bills a month.
- Invoicer: Free (€0), Starter €19, Pro €59 and Business €99 a month, all excluding VAT. See pricing for what each plan includes.
Prices checked on 28 September 2026. Other companies change their prices, so check their own site before you decide. Invoicer's prices exclude VAT.
Choose Xero if
- You need full bookkeeping: bank feeds, reconciliation, purchase bills and year-end accounts in one place.
- Your accountant already works in Xero and wants you there.
- You need the wider app ecosystem, payroll or multi-currency accounting.
Choose Invoicer if
- You mainly need to send correct Irish VAT invoices and get paid quickly.
- You invoice more than 20 times a month and do not want to pay for accounting you do not use.
- You self-bill contractors or drivers under section 71.
- You want direct debit for regular customers at about €0.35 a payment.
Plenty of businesses use both: Invoicer for invoicing and collecting payment, and Xero (or their accountant's package) for the books. Invoicer exports your invoice records as a CSV for your accountant.
What Invoicer does
- Irish VAT invoices: 23%, 13.5%, 9%, 4.8%, zero-rated, exempt and reverse charge, line by line, with the breakdown by rate
- Card and SEPA Direct Debit payments through your own Stripe account (about €0.35 per direct debit)
- Customer subscriptions that raise an invoice each period and mark it paid when the payment arrives
- Quotes, and a VAT return summary of what you have invoiced
- Section 71 self-billing for businesses that pay contractors or drivers
- An EN 16931 UBL e-invoice file with every invoice, ready for Peppol
- Contracts signed online by both sides
It does not do bookkeeping, bank feeds or payroll. If you need those, use an accounting package alongside it or instead of it.
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Xero is a trademark of its owner. This page is our own comparison, made in good faith from public information; if anything here is out of date, tell us through the contact page and we will correct it.
Other comparisons: Invoicer vs Big Red Cloud, Invoicer vs Zoho Invoice.