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CheckMark Payroll vs Xero Payroll: Which Payroll Software Is Better?


Disclosure: We may earn commissions if you shop through the links below.

Last Updated: April 25, 2025

Both CheckMark Payroll and Xero Payroll are leading payroll software solutions, but which one is better for you and your business?

Below we compare CheckMark Payroll and Xero Payroll across nearly 50 different data points to help you make find the right one.

 

CheckMark Payroll vs Xero Payroll Reviews

CheckMark PayrollXero Payroll
Trustpilot Rating3.54.3
Number of Trustpilot Reviews05747
iPhone App Ratingnot available4.7
Number of iPhone App Reviewsnot available26300
Android App Ratingnot available4.3
Number of Android App Reviewsnot available7410

CheckMark Payroll vs Xero Payroll Pricing

CheckMark PayrollXero Payroll
Free TrialYesYes
Free Trial Length2 months1 month
Cheapest Plan NameCheckMark Payroll ProEarly
Cheapest Plan Cost Per Month$n/a$9.25
Mid Priced Plan Namen/aGrowing
Mid Priced Plan Cost Per Month$n/a$9.25
Top Plan NameCheckMark Payroll Pro+Established
Top Plan Cost Per Month$619$17.5

CheckMark Payroll vs Xero Payroll Features

FeaturesCheckMark PayrollXero Payroll
Target Business SizeMid size businessSmall business
Unlimited Payrolls✔✘
Automated Tax Filing & Payments✔✔
E-sign I-9 & W-4✘✘
Live Customer Support✔✔
Third-Party Integrations✔✔
Ability To Manage Employee Benefits✔✔
Employee Access To Platform✔✔
Direct Deposit✔✔
Expense Reimbursement✔✔
Time Off Accrual✔✔
Pre-Tax Deductions✔✔
Wage Garnishment✔✔
Background Checks✘✘
Check Printing✔✔
Check Delivery✘✘
API✘✔

CheckMark Payroll CheckMark Payroll Pro Features

  • Self Service Payroll
  • Automatic Payroll Calculation
  • Unlimited Companies
  • Unlimited Salaried & Hourly Employees
  • Unlimited Payrolls (Regular, Bonus, Off-Cycle, etc.)
  • All Pay Frequencies
  • Multiple Pay Rates
  • MICR Encoded Check Printing
  • ACH Direct Deposit
  • Printing & E-Filing of Forms 941, 940, 944, 943, W-2, & W-3
  • Employer Payroll Tax Filings
  • Access to 40+ Types of Payroll Reports
  • Employee Benefits (Health, Retirement, Insurance, etc.)
  • Customized Vacation and Sick Leave Policies
  • Customized Deductions and Garnishments
  • Up to 90 mins within 12 months
  • Online access to program fixes

Xero Payroll Early Features

  • Send quotes and 20 invoices†
  • Enter 5 bills
  • Reconcile bank transactions
  • Capture bills and receipts with Hubdoc
  • Short-term cash flow and business snapshot
  • Payroll with Gusto (Optional)

CheckMark Payroll CheckMark Payroll Pro+ Features

  • Self Service Payroll
  • Automatic Payroll Calculation
  • Unlimited Companies
  • Unlimited Salaried & Hourly Employees
  • Unlimited Payrolls (Regular, Bonus, Off-Cycle, etc.)
  • All Pay Frequencies
  • Multiple Pay Rates
  • MICR Encoded Check Printing
  • ACH Direct Deposit
  • Printing & E-Filing of Forms 941, 940, 944, 943, W-2, & W-3
  • Employer Payroll Tax Filings
  • Access to 40+ Types of Payroll Reports
  • Employee Benefits (Health, Retirement, Insurance, etc.)
  • Customized Vacation and Sick Leave Policies
  • Customized Deductions and Garnishments
  • Up to 300 mins of support within 12 months
  • Exclusive Pro+ toll-free phone number
  • Top-of-the-queue priority
  • Reduced data recovery rates
  • Online access to program fixes
  • Exclusive Pro+ Support Live Chat

Xero Payroll Established Features

  • Send invoices and quotes
  • Enter bills
  • Reconcile bank transactions
  • Capture bills and receipts with Hubdoc
  • Short-term cash flow and business snapshot
  • Bulk reconcile transactions
  • Use multiple currencies
  • Track projects
  • Claim expenses
  • Analytics Plus
  • Payroll with Gusto (Optional)

CheckMark Payroll vs Xero Payroll Pro & Cons

CheckMark PayrollXero Payroll
Pros
  • Direct deposit option
  • Easy to use and interfaces with CheckMark’s Accounting program, MultiLedger
  • Automated reports
  • User Friendly
  • User Interface
  • Integrations
  • Saves Time
  • Management
Cons
  • Technical support, glitches with Mac
  • High cost
  • More features like direct sms, email, other tax purpose forms
  • Expensive
  • Not User Friendly
  • Expense Report Issues
  • Technical Issues
  • Room for Improvement

Other Payroll Software Comparisons

  • Remote vs Push Payroll
  • QuickBooks Payroll vs Justworks
  • Aruti vs BambooHR
  • Kashflow Payroll vs Hourly
  • Fingercheck vs Excelforce
  • Paycom vs Netchex
  • TriNet vs Proliant
  • Patriot Software vs Zenefits
  • Darwinbox vs Proliant
  • CheckMark Payroll vs Superworks

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