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Fingercheck vs Xero Payroll: Which Payroll Software Is Better?


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

Last Updated: May 22, 2025

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

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

 

Fingercheck vs Xero Payroll Reviews

FingercheckXero Payroll
Trustpilot Rating34.3
Number of Trustpilot Reviews45747
iPhone App Rating4.24.7
Number of iPhone App Reviews69326300
Android App Rating4.24.3
Number of Android App Reviews12107410

Fingercheck vs Xero Payroll Pricing

FingercheckXero Payroll
Free TrialYesYes
Free Trial Length1 month1 month
Cheapest Plan NameTime & AttendanceEarly
Cheapest Plan Cost Per Month$59$9.25
Mid Priced Plan Name360Growing
Mid Priced Plan Cost Per Month$59$9.25
Top Plan Name360 PlusEstablished
Top Plan Cost Per Month$99$17.5

Fingercheck vs Xero Payroll Features

FeaturesFingercheckXero 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✔✔

Fingercheck Time & Attendance Features

  • Time entry
  • Shift differentials
  • PTO accruals
  • Real-time status w/GEO map
  • Mobile schedule management
  • Drag and drop shift builder
  • Copy/duplicate schedules
  • Forecast labor costs
  • Manage multiple shifts for different jobs
  • Post open shifts
  • Manager approval and alerts
  • Time card reports
  • Employee reports
  • Schedule reports
  • Attendance reports
  • Audit reports
  • Customer Support
  • Help Desk
  • Virtual Assistant

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)

Fingercheck 360 Plus Features

  • Unlimited Payroll
  • W-2s, 1099s
  • Tax witholding and payments
  • Quarterly and year-end filings
  • Accounting & General Ledger
  • Multi-State Payroll
  • Multi-State Payroll & Same Cycle Tax Calculation
  • Expense Tracking
  • Pay On-Demand
  • Next-Day Pay
  • Payroll Debit Cards
  • SMB Loans & Financing
  • Payroll Analytics
  • Time entry
  • Custom calculation rules
  • Shift differentials
  • PTO accruals
  • Real-time status w/GEO map
  • Worksite rules and reports
  • Time off management
  • Eliminate buddy punching
  • Overtime and compliance rules
  • Multi-level approvals and real-time employee status view
  • Mobile schedule management
  • Drag and drop shift builder
  • Copy/duplicate schedules
  • Forecast labor costs
  • Manage multiple shifts for different jobs
  • Post open shifts
  • Manager approval and alerts
  • Shift/trade requests
  • Visualize shift availability
  • Find available employees
  • Open shift alerts
  • Job postings
  • Applicant tracking system
  • Background checks
  • Indeed & LinkedIn integration
  • Offer letter templates
  • Custom agreements
  • Self-Onboarding
  • Digital compliance docs
  • Document storage
  • Payment method selection
  • Geographic tax engine
  • New hire reporting
  • Welcome messages
  • Employee reviews
  • Asset management
  • Employee engagement tools
  • Incident reporting
  • Online team directory
  • Organizational charts
  • Licensing & Training
  • Benefits Administration
  • Open Enrollment & Self Portal
  • Payroll integration
  • Workers’ Comp
  • 401(k) Integrations
  • Payroll Analytics
  • Payroll reports
  • Time card reports
  • Employee reports
  • Schedule reports
  • Attendance reports
  • Audit reports
  • Company reports
  • Multi-State Payroll & Same Pay Cycle Tax Calculation
  • Premium Support
  • Help Desk
  • Virtual Assistant

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)

Fingercheck vs Xero Payroll Pro & Cons

FingercheckXero Payroll
Pros
  • Easy Processes
  • Customer Service
  • User Interface
  • Saves Time
  • Easy To Navigate
  • User Friendly
  • User Interface
  • Integrations
  • Saves Time
  • Management
Cons
  • Not User Friendly
  • Customer Service
  • Mobile App Issues
  • Adjustment Issues
  • Room for Improvement
  • Expensive
  • Not User Friendly
  • Expense Report Issues
  • Technical Issues
  • Room for Improvement

Other Payroll Software Comparisons

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  • Multiplier vs Trolley
  • Arbonum vs BambooHR
  • Rippling vs Paylocity
  • Multiplier vs CheckMark Payroll
  • Gusto vs Multiplier
  • Paycor vs CAVU HCM
  • Oytser HR vs CAVU HCM
  • Wave vs Proliant
  • QuickBooks Payroll vs WorkZoom

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