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Cancellation service #1 in Canada
Xero is a cloud-based accounting software platform for small and medium-sized businesses that offers invoicing, bank reconciliation, reporting, payroll add-ons, and integrations with other services. It is sold as a monthly subscription and accessed through a web browser or mobile apps.
After you cancel, your subscription remains active for the one-month notice period for which you will be charged; services continue to function during that time. Your subscription will stop auto-renewing at the end of the notice period. You will still have access to your organisation data according to Xero’s retention and export policies - export any needed reports or data before access is removed. If you need to continue access after cancellation, you must resubscribe.
Xero’s Terms of Use state that there are no refunds for cancelled subscriptions; you are charged for services through the notice period and ordinarily no refund is due on cancellation. As an exception, Xero may, at its discretion, issue a pro‑rata refund or future credit in the event of significant system downtime (their terms refer to compensation for downtime exceeding a defined threshold), but you generally must request such compensation in writing within the timeframe set out in the Terms (for example, within 21 days of the incident). Xero’s published terms do not reference a statutory 14‑day cooling‑off period for digital services in Canada; if you believe provincial or federal consumer protection law gives you additional rights, consider seeking advice from a consumer protection authority or legal advisor.
| Plan | Price (CAD) | Period | Features (summary) |
|---|---|---|---|
| Starter | C$25.00 | Monthly | Send quotes and up to 20 invoices, enter bills, reconcile bank transactions, Hubdoc access, real‑time reports, 30‑day cash flow forecast |
| Standard | C$55.00 | Monthly | All Starter features plus online invoice payments, auto‑reconcile (beta), cash flow forecasting, performance dashboards, KPI analysis |
| Premium | C$75.00 | Monthly | All Standard features plus multiple currencies and Analytics Plus |
| Promotional (New customers) | C$5 / C$11 / C$15 (Starter / Standard / Premium) | First 3 months | Same features as respective full‑price plans at introductory discount (promo available to new Canadian customers until Jan 30, 2026) |
Prices exclude applicable taxes. Subscriptions auto‑renew monthly until cancelled. Add‑on features (expense tracking, project tracking, etc.) may carry additional monthly fees (approx. C$5 - C$10). Promotional pricing reverts to regular pricing after the promotional period.
Xero’s publicly published Canadian information and global Terms of Use emphasise “no refunds” for cancellations, and they do not spell out any 14‑day cooling‑off right for online digital subscriptions. However, Canadian consumer protection is governed provincially and federally, and rights can vary by province. A blanket “no refunds” term may conflict with local statutory protections in some circumstances. If you believe you have a statutory right to cancel or obtain a refund, contact your provincial consumer protection office or the Competition Bureau of Canada for guidance. For disputes, retain all records, request written reasons for denials, and consider escalating through local consumer channels or small claims court if necessary.
User feedback is mixed. Many customers praise Xero for clear, intuitive interfaces and responsive customer support staff who provide step‑by‑step assistance by chat, email, or phone. Users also cite strong invoicing, reconciliation, reporting, and integrations as positives.
Common negative reports from Canadian users focus on unreliable bank feeds and connectivity with major Canadian banks (frequent feed failures, delays, or the need for manual CSV imports) and frustrations around billing and refunds - especially confusion about being charged after attempting to cancel (often due to the one‑month notice requirement) and limited or unsatisfactory refund outcomes.
Users often assume cancellation is immediate; with Xero in Canada you must provide one month’s notice, so you will normally be billed for that period after cancellation. Another frequent error is cancelling the Xero app but not the underlying subscription in the App Store or Google Play (or vice versa); cross‑check where you subscribed and cancel in that exact channel. People also forget to save confirmation or fail to export financial data before access ends. Finally, some expect an automatic refund or rely on a 14‑day cooling‑off right that Xero’s terms do not mention - if you want a refund for any reason, gather documentation and raise a written request promptly.
| Method | Refund | Difficulty |
|---|---|---|
| Web (direct via Xero) | No refunds for cancellations (pay for one‑month notice). Possible discretionary pro‑rata compensation for extended downtime if claimed in writing within required timeframe. | Moderate - cancel in subscription settings; one‑month notice required; keep confirmation. |
| App Store / Google Play | Xero’s Canadian materials do not specify. Refunds depend on the App Store / Google Play policies and their outcome; Xero’s terms remain silent for these channels. | Variable - follow Apple or Google Play subscription cancellation procedures; outcomes and refundability vary by store. |
After you cancel and retain your confirmation, export and back up any reports, invoices, contacts, and financial data you may need. If you encounter billing issues or believe a refund or downtime compensation is owed, contact Xero Support and make your request in writing (keep copies). For issues with bank feeds or technical problems that led to cancellation, check Xero’s status pages and support articles, and consider posting details to Xero Community for help. For legal or statutory refund questions, contact your provincial consumer protection office or the Competition Bureau of Canada.
Helpful links: Xero billing and subscription help - Xero Central; Xero Terms of Use - Xero Terms; Xero status - Xero Status; Apple subscription cancellation - Apple support; Google Play subscriptions - Google Play support; Competition Bureau of Canada - competitionbureau.gc.ca; Consumer Protection BC - consumerprotectionbc.ca.
Xero Software (Canada) Ltd., 1133 Melville Street, Vancouver BC V6E 4E5, Canada
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Written by Amelia Clark
Digital-law graduate · 4 years experience
Graduate in digital law and passionate about secure written communication, I have been writing guides on certified mail and electronic registered delivery for 4 years.