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

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

 

Heartland vs Xero Payroll Reviews

HeartlandXero Payroll
Trustpilot Rating04.3
Number of Trustpilot Reviews05747
iPhone App Rating2.34.7
Number of iPhone App Reviews15326300
Android App Rating3.64.3
Number of Android App Reviews3317410

Heartland vs Xero Payroll Pricing

HeartlandXero Payroll
Free Trialn/aYes
Free Trial Lengthn/a1 month
Cheapest Plan NameEssentialsEarly
Cheapest Plan Cost Per Month$By request$9.25
Mid Priced Plan NameAdvancedGrowing
Mid Priced Plan Cost Per Month$By request$9.25
Top Plan NameCompleteEstablished
Top Plan Cost Per Month$By request$17.5

Heartland vs Xero Payroll Features

FeaturesHeartlandXero Payroll
Target Business SizeEnterpriseSmall 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✘✔

Heartland Essentials Features

  • Payroll Processing
  • Tax Filing – Federal, State, Local
  • Tax Payments – Federal, State, Local
  • Payment Options – Check, Direct Deposit, Pay Card
  • New Hire Reporting
  • Child Support Reporting
  • Garnishment Support
  • Payroll Reporting – Standard, Exports, Custom
  • Employee Mobile Access
  • Live, Dedicated Support
  • Onboarding for New Hires, Integrated with Payroll
  • Employment Verification
  • Electronic Submission of New Hire Documentation
  • Work Opportunity Tax Credit (WOTC) Screening

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)

Heartland Complete Features

  • Payroll Processing
  • Tax Filing – Federal, State, Local
  • Tax Payments – Federal, State, Local
  • Payment Options – Check, Direct Deposit, Pay Card
  • New Hire Reporting
  • Child Support Reporting
  • Garnishment Support
  • Payroll Reporting – Standard, Exports, Custom
  • Employee Mobile Access
  • Live, Dedicated Support
  • Onboarding for New Hires, Integrated with Payroll
  • Employment Verification
  • Electronic Submission of New Hire Documentation
  • Work Opportunity Tax Credit (WOTC) Screening
  • Job Postings to Top Job Boards*
  • Text to Apply
  • Candidate Screenings*
  • Applicant Tracking
  • HR Library
  • HR Tracking – Training, Certifications, IDs, etc.
  • Employee Handbook Builder
  • Job Descriptions
  • Labor Law Posters
  • Live HR Support

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)

Heartland vs Xero Payroll Pro & Cons

HeartlandXero Payroll
Pros
  • Highly Responsive Account Representative
  • Extremely Easy to Use Online System
  • Convenient Onboarding Process with Heartland Hire
  • User Friendly
  • User Interface
  • Integrations
  • Saves Time
  • Management
Cons
  • Missing Email Reminders
  • Lack of Local Support
  • Inconvenient Payroll Repeating Process
  • Expensive
  • Not User Friendly
  • Expense Report Issues
  • Technical Issues
  • Room for Improvement

Other Payroll Software Comparisons

  • Heartland vs Zelt
  • Greenshades vs eBacon
  • Aruti vs Plane
  • Payfit vs WorkZoom
  • Kashflow Payroll vs WorkZoom
  • Microkeeper vs isolved
  • Patriot Software vs BambooHR
  • Remote vs Square Payroll
  • isolved vs Dayforce
  • Excelforce vs Keka

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