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

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

 

Papaya Global vs Xero Payroll Reviews

Papaya GlobalXero Payroll
Trustpilot Rating2.64.3
Number of Trustpilot Reviews65747
iPhone App Rating04.7
Number of iPhone App Reviews026300
Android App Rating04.3
Number of Android App Reviews07410

Papaya Global vs Xero Payroll Pricing

Papaya GlobalXero Payroll
Free Trialn/aYes
Free Trial Lengthn/a1 month
Cheapest Plan NamePayroll Platform LicenseEarly
Cheapest Plan Cost Per Month$150$9.25
Mid Priced Plan NameData and Insights Platform LicenseGrowing
Mid Priced Plan Cost Per Month$150$9.25
Top Plan NameEmployer of RecordEstablished
Top Plan Cost Per Month$650$17.5

Papaya Global vs Xero Payroll Features

FeaturesPapaya GlobalXero 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✔✔

Papaya Global Payroll Platform License Features

  • Upgrade your payroll and payments technology without replacing your payroll partners
  • No need to rip and replace your existing payroll network
  • Quickest “Go Live” on the market

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)

Papaya Global Employer of Record Features

  • Hire top talent anywhere
  • Build local teams in weeks, not months
  • Test new markets – without payroll liability

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)

Papaya Global vs Xero Payroll Pro & Cons

Papaya GlobalXero Payroll
Pros
  • Payment processing through Papaya Global is safe with GDPR and SOC Compliance and no third-party involvement.
  • High level of customization within the HRIS system.
  • Robust analytics for predictive analytics, financial forecasting and comprehensive insights.
  • User Friendly
  • User Interface
  • Integrations
  • Saves Time
  • Management
Cons
  • Expensive compared to alternative PEO software solutions.
  • Papaya Global has an EOR aggregator model, meaning that it uses a network of ICPs, and does not own EOR subsidiaries or legal entities in the countries it services.
  • The solution lacks HR features commonly present in other PEO solutions, like performance monitoring and training management tools.
  • Expensive
  • Not User Friendly
  • Expense Report Issues
  • Technical Issues
  • Room for Improvement

Other Payroll Software Comparisons

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  • Fingercheck vs Plane
  • Paycor vs Trolley
  • Deel vs Roll by ADP
  • Namely vs Keka
  • Wave vs Paylocity
  • Greenshades vs Darwinbox
  • Plane vs TriNet
  • ADP vs isolved
  • CheckMark Payroll vs Wrapbook

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