PayFit vs Xero Payroll
Verified ratings, real UK pricing and the compliance detail, weighed side by side — with a written verdict at the end.
PayFit
Payroll Software
- United Kingdom
- France
- Spain
- Germany
- Phone
- Live Chat
- Knowledge Base
Xero Payroll
Payroll Software
- United Kingdom
- Ireland
- Live Chat
- Knowledge Base
- Forum
PayFit leads on verified reviews by 0.1 of a point — 4.2 against 4.1 for Xero Payroll.
The short version
What each one costs and how each one rates, side by side. Only the rows where leading means something are marked; vendor and availability are in the overview above.
| Detail | PayFit | Xero Payroll |
|---|---|---|
| What it costs | ||
| Starting priceLowest paid tier, excluding VAT | £29/mo | £1.50/user/month |
| Free version | NoNo | NoNo |
| Free trial | YesYes | YesYes |
| How it rates | ||
| Overall ratingMean of verified Assaylist reviews | 4.2 | 4.1 |
| Verified reviewsVolume is evidence, not a score — this row is not a contest | 245 reviews | 225 reviews |
Highlighted where one clearly leads. Rows without a highlight are not a contest.
How reviewers score them
Across the four dimensions we ask every reviewer about — and, below, the star split each average is built from.
- PayFit
- Xero Payroll
| Dimension | PayFit | Xero Payroll | Gap |
|---|---|---|---|
| Ease of use | 4.1 | 4.0 | 0.1 to PayFit |
| Value for money | 4.1 | 4.0 | 0.1 to PayFit |
| Customer support | 4.0 | 4.0 | Level |
| Functionality | 4.0 | 4.0 | Level |
What each average is made of
Two products can share an average and not share a reputation. These bars show the star split behind each score.
| Product | 5 star | 4 star | 3 star | 2 star | 1 star |
|---|---|---|---|---|---|
| PayFit | 44% (109 reviews) | 37% (91 reviews) | 12% (29 reviews) | 5% (12 reviews) | 2% (4 reviews) |
| Xero Payroll | 44% (100 reviews) | 32% (72 reviews) | 16% (35 reviews) | 6% (14 reviews) | 2% (4 reviews) |
Feature by feature
Everything either vendor publishes, split into what separates them and what they share.
- Both products
- 16%
- Only PayFit
- 950%
- Only Xero Payroll
- 844%
18 features listed across both products.
What only one of them does
PayFit
9- Automated payroll
- Employee self service
- Leave management
- Light HR records
+ 5 more in the table below
Xero Payroll
8- Annual legislative updates
- Automatic payroll journal posting
- Employee self service app
- Holiday tracking
+ 4 more in the table below
Showing 18 of 18 features
| Detail | PayFit | Xero Payroll |
|---|---|---|
| Where they differ · 17 | ||
| Automated payroll | YesYes | NoNo |
| Employee self service | YesYes | NoNo |
| Leave management | YesYes | NoNo |
| Light HR records | YesYes | NoNo |
| Modern interface | YesYes | NoNo |
| Onboarding | YesYes | NoNo |
| Payslips | YesYes | NoNo |
| Pension auto enrolment | YesYes | NoNo |
| Reporting | YesYes | NoNo |
| Annual legislative updates | NoNo | YesYes |
| Automatic payroll journal posting | NoNo | YesYes |
| Employee self service app | NoNo | YesYes |
| Holiday tracking | NoNo | YesYes |
| Payslips and P60s | NoNo | YesYes |
| Pension auto enrolment and assessment | NoNo | YesYes |
| Pension provider connections | NoNo | YesYes |
| Statutory sick and parental pay | NoNo | YesYes |
| Where they match · 1 | ||
| RTI submissions to HMRC | YesYes | YesYes |
A dash means the vendor has not published a feature list — which is not the same as the feature being unavailable.
How they handle UK obligations
Checked against the vendor's own documentation or HMRC's published list. A dash means we have not verified it — never that it is missing.
| Detail | PayFit | Xero Payroll |
|---|---|---|
| Verified against vendor documentation | ||
| RTI-compliant payroll | YesYes | YesYes |
| Pension auto-enrolment | YesYes | YesYes |
| UK-based support | UK support team | UK support team |
What each tier costs
Both line-ups on one ladder, so the middle tier on one side sits next to the middle tier on the other.
PayFit
Xero Payroll
Light
£29/mo
- Base fee plus £5 per employee
- Automated payroll
- RTI and auto enrolment
On the Ignite plan
£1.50/user/monthLower
- Priced per person
- RTI submissions
- Pension auto enrolment
Standard
£59/mo
- Base fee plus £6 per employee
- More HR features
- Everything in Light
Included with Grow
FreeLower
- Payroll for 1 person included
- Additional people charged per person
Premium
£119/mo
- Base fee plus £7 per employee
- Advanced features
- Everything in Standard
Included with Comprehensive
FreeLower
- Payroll for 5 people included
Rungs are matched by position in each vendor’s own line-up, not by what the tiers include — an entry plan on one side may cover more than the other. Prices exclude VAT unless stated, and per-seat plans are quoted per seat. Always confirm on the vendor’s own site.
Which should you choose?
Two answers, because there are two right ones depending on what you need.
Choose PayFit if
- It lists 9 features Xero Payroll does not, including automated payroll.
Choose Xero Payroll if
- It costs less to get started — £1.50/user/month against £29/mo.
- It lists 8 features PayFit does not, including annual legislative updates.
On verified Assaylist reviews, PayFit currently rates 4.2 against 4.1 for Xero Payroll. That gap is not the whole story: PayFit starts at £29/mo and Xero Payroll at £1.50/user/month, so the right answer depends on the tier you actually need and on which one handles your UK obligations. Read both profiles before you commit, and confirm current pricing on the vendor's own site.
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