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Compare accounting software side by side — pricing, features, pros & cons. Find the best fit for your business with detailed comparisons of QuickBooks, Xero, Wave, FreshBooks and more.

Verdict

The best accounting software depends on your business size, budget, and needs. QuickBooks Online is the industry standard with the most features and integrations. Xero offers unlimited users and strong multi-currency support. FreshBooks has the best invoicing experience for freelancers. Wave is free for US and Canada-based sole proprietors.

Select tools:
FeatureStripePayPal
Starting PriceFree · From $620/moFree · From $30/mo
Pay-as-you-goFreeFree
Stripe Billing StandardFree$30/mo
Stripe Billing Volume$620/mo—
Best ForSmall Biz, EnterpriseFreelancers, Small Biz
RegionsUS, CA, GB, AU, FR, DE, NL, JP, SG, HK, IE, CH, AT, BE, DK, FI, IT, NO, ES, SE, PT, PL, NZ, AE, BR, MXUS, CA, GB, AU, FR, DE, IT, ES, NL, PL, SE, NO, DK, FI, CH, AT, BE, PT, IE, JP, HK, SG, BR, MX
PlatformsWeb, Ios, AndroidWeb, Ios, Android
Key Features
  • •135+ currencies and 35+ payment methods including cards, wallets, BNPL, and local methods
  • •Developer-first API with SDKs for 15+ programming languages and extensive documentation
  • •Stripe Radar fraud detection with machine learning (included at 2.9% + $0.30; Radar for Fraud Teams $0.02/check)
  • •Stripe Billing for subscription management, invoices, and recurring payments (0.7% of volume)
  • •400M+ active consumer accounts with strong brand recognition and trust signals
  • •PayPal Checkout with Venmo, PayPal Credit, and Pay Later (BNPL) options
  • •In-person payments via PayPal Zettle (2.29% + $0.09) with card reader hardware
  • •Seller and purchase protection programs for dispute resolution
Pros
  • +Developer-first API with best-in-class documentation, SDKs in 15+ languages, and comprehensive testing tools — the gold standard for custom payment integrations
  • +135+ currencies and 35+ payment methods give Stripe the broadest global reach of any all-in-one payment processor
  • +Built-in fraud detection via Stripe Radar uses machine learning and is included in the standard rate, saving thousands in fraud losses compared to manual review
  • +Highest consumer brand recognition and trust in the payment industry — seeing the PayPal logo reduces checkout abandonment more than any other payment option
  • +200+ market availability makes PayPal the most accessible global payment option for businesses selling internationally
  • +Venmo integration gives access to a younger demographic (60M+ US Venmo users) who prefer social payment experiences
Cons
  • −Requires developer resources to unlock full potential — non-technical business owners may struggle with setup and customization compared to Square or PayPal
  • −Flat-rate pricing (2.9% + $0.30) becomes expensive at high volume compared to interchange-plus or tiered pricing models from Helcim or other processors
  • −FX markup of ~1% is cheaper than PayPal's 3-4% but more expensive than platforms built specifically for cross-border commerce like Wise or Airwallex
  • −FX fees of 3-4% are the highest among major processors — Stripe charges ~1% for currency conversion, making PayPal significantly more expensive for cross-border transactions
  • −Fee structure is complex with optional add-ons (chargeback protection +0.4%, fraud filters) that stack quickly, making total cost difficult to predict
  • −Less developer-flexible than Stripe — custom payment flows require PayPal Payments Pro ($30/mo) and the API is more cumbersome to integrate
Integrations16+ integrations10+ integrations
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