Which one should you use?
If you need bookkeeping, bank reconciliation, or payroll, Xero (often alongside an accountant) is built for that. If you just need to send a professional quote or invoice and get paid, BillSend is faster to set up and has one flat price with no per-user fees.
Feature comparison
Solo tradespeople and freelancers sending quotes and invoices
Small and mid-size businesses needing full accounting — bookkeeping, payroll, and reporting
Quotes and invoices — nothing else
Full accounting suite: bookkeeping, bank reconciliation, payroll, reports; invoicing is one part of it
One flat monthly price, no per-user fees
Tiered subscription plans, typically priced by feature set rather than by user
5 free quotes, 5 free invoices, and 5 free templates — no card required
Free trial only; no permanent free plan
Passwordless — a sign-in link is emailed to you, nothing to remember
Standard email + password account
Minutes — add your branding and send your first quote
Longer — chart of accounts, bank feeds, and payroll setup if you use them
English, Turkish, and Arabic
Supports multiple regions and currencies; historically strongest in the UK, Australia, and New Zealand
| BillSend | Xero | |
|---|---|---|
| Built for | Solo tradespeople and freelancers sending quotes and invoices | Small and mid-size businesses needing full accounting — bookkeeping, payroll, and reporting |
| Core focus | Quotes and invoices — nothing else | Full accounting suite: bookkeeping, bank reconciliation, payroll, reports; invoicing is one part of it |
| Pricing model | One flat monthly price, no per-user fees | Tiered subscription plans, typically priced by feature set rather than by user |
| Free plan | 5 free quotes, 5 free invoices, and 5 free templates — no card required | Free trial only; no permanent free plan |
| Sign-in | Passwordless — a sign-in link is emailed to you, nothing to remember | Standard email + password account |
| Setup time | Minutes — add your branding and send your first quote | Longer — chart of accounts, bank feeds, and payroll setup if you use them |
| Languages | English, Turkish, and Arabic | Supports multiple regions and currencies; historically strongest in the UK, Australia, and New Zealand |
Frequently asked questions
No — Xero offers a free trial but no permanent free plan. Check xero.com for current pricing before comparing.
Not strictly, but Xero is built with accountants and bookkeepers in mind, and many small businesses use it alongside one. BillSend does not require or assume any accounting knowledge — it is just quotes and invoices.
If you do not need bookkeeping, bank reconciliation, or payroll — just a fast way to quote a job and invoice for it — BillSend gets there without the setup or learning curve a full accounting platform requires.
Xero is a trademark of Xero Limited. BillSend is not affiliated with or endorsed by Xero. Competitor pricing and features can change — check xero.com for current details.
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