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Get paid faster with Payment Services!

Wouldn’t it be great if something happened that improved your cashflow and reduced the amount of time you had to spend processing payments? You bet it would, which is why the release of Payment Services is such great news!

Once you’ve signed up with one of the supported payment services, your customers will be able to pay you immediately when they receive an online invoice – they simply click the Pay Now button, enter their credit card details and voila – you’re paid!

And it gets even better. Not only will the money be shooting its way into your bank account but we will automatically create the payment in Xero ready for you to reconcile as soon as the transaction appears in your bank feed. Magic.

Check out how it works in this short video.

To make use of Payment Services you need to sign up with one of the following supported payment services.

  • PayPal (Global)

  • GoCardless (UK) – actually uses a direct debit process rather than credit card payments and you don’t even need a merchant account. Nice.

  • Stripe (US)

  • eWay (NZ, AU and the UK) – to be released in the next few weeks

  • DPS Payment Express (AU, NZ, UK, US, SA and Asia)

When you sign up you nominate which bank account you would like payments to be deposited into and will be given the details you need to hook the payment service up to Xero.

If you don’t have a merchant account set up to use with any of these providers, but occasionally wish to receive credit card payments, you can use the existing integration with PayPal to accept these. This is handy, for example, if you have a holiday home that you hire out now and then and people wish to pay for this via credit card. You can read the details on setting up payment services on this page in our Help Center.

We’ve also added a couple of enhancements in response to feedback we had on invoice settings and bank reconciliation.

  • New invoice settings to control how tax subtotals are grouped and what information is displayed on foreign exchange invoices

  • If you’ve been missing the ability to undo a bulk Mark as Reconciled action, you’ll be glad to hear this is now back (and if you don’t know what I’m talking about – don’t worry, you probably don’t need it!)

We’re still working on a number of other cool features and enhancements, including:

  • Email settings – a popular request on Community, you will be able to control how emails are sent from Xero. This work is all but ready and is scheduled to go out in about 3 week’s time.

  • Taxable Payment Annual Report – this one’s for the Aussies and will allow those in the building industry to comply with the ATO’s new reporting standards – will be released before the end of June.

  • Purchase orders – it’s taking a while but, as always, we think it’s worth doing properly. We’re going as fast as we can and will know more about when it’s likely to ship over the next few weeks.

Enjoy the new features and look forward to more rolling out over the coming months.

 

Read more about Business

 

95 comments

Alexander Kohl
27 May 2013 #

We were able to integrate online invoice payments through our website within an hour of this new release. The custom payment link makes it possible. Great release!
The only question I have is what the ShortCode is for. I could not find any documentation about that.

James
27 May 2013 #

Fantastic. This is really powerful. I’m going to set up an invoice theme for customers who I want to pay in advance and add an online payment service to their invoices. Excellent.
You’re killing me with the Purchase Orders. I’ve been eagerly awaiting each release since it featured in ‘coming soon’ almost 6 months ago and holding off an integration project. Luckily I’m confident it will be great. My expectations are high!

Gayle Buchanan
27 May 2013 #

yipppeee … bulk mark as reconciled is back – best present ever! (Xero rebuilds all over the place)
thanks Andrew, waiting VERY patiently for PO’s … no holding back converting MYOB’s over once that baby is in!

Scott Barrington
27 May 2013 #

Awesome news! Is there some info on the fees structure? is Xero taking a little cut? ;)

Melanie Power
27 May 2013 #

Yey – LOVE the online payments……so will my clients! And yes – I’m anxiously awaiting the Purchase Order feature as well. Im with you Gayle – will be a busy conversion time….

Cambel
27 May 2013 #

Great news, simply being able to set up a simple reminder to be sent after accounts aren’t paid on time would be far more helpful

Belinda
27 May 2013 #

Great News Team… Keep up the good work

nicolaas
27 May 2013 #

Do I need to setup an account with DPS in order to use DPS? I have an account with Paypal and I know how that works, but I was wondering if DPS is different or how it works. I am also curious about the cost.

For Paypal, it is nice for my customers, but it costs me a significant amount in time and transaction costs. DPS might be easier. Please let me know.

Nicolaas

Berend de Boer
27 May 2013 #

The big question is the cost obviously: what are the transaction costs for this service? PayPal has very high service fees (yes 3% on a few thousand dollars do add up).

Deborah Reid
27 May 2013 #

Same question as Scott above: Can we know what fees will apply please?

Andrew Tokeley
27 May 2013 #

@Alexander – check out this link https://community.xero.com/developer/discussion/1167775/#answer1750273

It’s essentially a way to distinguish between organisations (if your client has more than one).

Devan
27 May 2013 #

Be interested to see eWay integration. We already use eWay for other online processing needs. Can we link Xero to an existing eWay merchant account?

Andrew Tokeley
27 May 2013 #

@Berend – the cost you pay is determined by each of the individual payment services – best to check out their websites and see which one suits you the best.

Mukesh Bajaj
27 May 2013 #

Excellent news..What a good way to start week! Thank you Xero

Andrew Tokeley
27 May 2013 #

@Devan – yes, you should be able to, but may pay to contact the eWay guys just to be sure.

We’re just getting through the final stages of eWay testing and should have this ready in our next release (about 3 weeks away).

Andrew Tokeley
27 May 2013 #

@Nicholaas – yes, in order to use any of the services you need to first have an account with them. Once you’ve done that you can hook it up to Xero and start accepting payments.

Each payment service will have it’s own fee structure so you can pick one that suits you the best.

lisa
27 May 2013 #

I’m still waiting for Authorize.net as an option. I can’t believe that this type of standard processor still isn’t supported.

Jayden
27 May 2013 #

Great work guys! What I have always wanted is an option to charge an additional fee if the client chooses to pay online. Can you please add this? For example, if they choose to pay via PayPal, instead of a bank transfer, I would like to add the PayPal fee. This allows them to use their card if they wish, because many clients accrue points for using a credit card, but it’s not fair on us as we lose a few percent.

Similar to how the airlines (at least in Australia) do it.

Andrew Tokeley
27 May 2013 #

Hi @Scott – Xero does not act as a middle-man between you and the payment service – the fees are determined entirely by each provider.

Andrew
27 May 2013 #

Just tried to set-up account for DPS – very complicated, gave up in the end.

eg. what products are we suppose to select ..

Products: Ecommerce – DPS hosted
Account2AccountPX AccessPX Pay
Ecommerce – Merchant hosted
PX FusionPX PostWeb Service
Integrated EFTPOS
Ingenico IPP350Ingenico IWL250 (Wireless)Wireless (GPRS) Back up
MOTO (online payment portal)
Payline – Merchant portal
Batch Processing
Batch ProcessorsFTP Batch Processor
IVR
IVR (Interactive Voice Response)
Vending / Parking
CHSCompacDPS Private GPRS APNOtherParkeonScheidt & BachmannSKIDATA

Easy Gardener Ltd
27 May 2013 #

Great, done and updated with DPS Gateway, now no more manual transactions. also nice to see it’s also in in.xero.com also.
Good work guys.

Easy Gardener Ltd
27 May 2013 #

@Andrew, looks like you have the wrong key

Andrew
27 May 2013 #

Thats @easygardener – i just followed the link provided by xero.

Jason
27 May 2013 #

Hi there – I concur with Jayden, I think it’s essential to be able to add a different surcharge to the invoice based on the online payment type that a customer might choose.

Jo Johnson
27 May 2013 #

Thanks Xero! Now if only we could have a way to track reimbursable expenses to charge back to our customers then life would be complete!

Matt
27 May 2013 #

Yay… now I can save on PayPal fees!

Andrew Tokeley
27 May 2013 #

@Andrew – I believe it should be “E-commerce – DPS hosted (PX Pay)” but this is really something you should check with DPS themselves. Other options could equally work and be more appropriate. They do say to select “Unsure” if you’re not sure and that they will be in touch (unfortunately there is no Unsure option – awkward).

Andrew Tokeley
27 May 2013 #

@lisa – there is certainly some demand for us to integrate with Authorize.Net and we have made some progress on this but are running into issues getting something stable.

Suggest you and others keep voting and commenting (https://community.xero.com/business/discussion/817245/) to let us know that you’d still prefer Authorize.Net over the other new payment gateways that have come online.

Matt Ryan
27 May 2013 #

This is great news! We have been waiting to use eWay for our payments :)

Liam
27 May 2013 #

@Andrew re DPS account choices; I’d hazard a guess it’s ‘ecommerce – DPS Hosted’ – you essentially want to hand off the credit card processing to DPS without having to set anything up yourself. Happy to be corrected by Tokes.

Carl
27 May 2013 #

Nice work, the Taxable Payment Annual Report will be very handy too and if it’s ready by the end of June that would be great.

Matt
27 May 2013 #

It would be awesome if SecurePay could also be integrated.

Tej Patel
27 May 2013 #

Hi,

My name is Tej, I represent DPS.

The integration between Xero and DPS is completed with the DPS Px Pay product. Please choose this under the ‘Product Selection’ section in the application form.

If you are experiencing issues with the DPS application process. Please contact us on +64 9 309 4693 or sales@paymentexpress.com for assistance.

Regards,
Tej

Galen King
27 May 2013 #

Well done, Xero. This is a fantastic start and a much needed new addition.

We’ve already seen a number of people asking if there are alternative providers in New Zealand.

I hope it’s ok to chime in here and say we are working with Xero on complete Kiwipay integration.

In the meantime, you can use Kiwipay with a Custom Payment URL—see our blog post at http://www.getkiwipay.co.nz/2013/05/27/xero-payments.

Steve
27 May 2013 #

hello,

How about Securepay/camtech for Australia?

Thanks

Steve

Warren Shepherd
27 May 2013 #

+1 on the ability to add in the percentage so the client pays for the privilege of using their credit card rather than us – some of the stuff we sell has a lower margin on it than the credit card processing fees unfortunately!

I’ve been hoping for the DPS integration for years – we’ve used it on applications we’ve developed for client website (usually PXPay, sometimes self hosted and it’s fantastic).

Since this was announced at XeroCon i’ve been trying to get our bank (ASB) to set us up as a merchant in preparation for this – they still haven’t so I’ve just flicked another email to them referencing this release. I suggested since they sponsored XeroCon and recommend Xero, and supposedly Xero and ASB have a “close relationship”(what with ‘first to offer bank feeds’ and all that historical stuff), they should know what’s going on and might want to get their finger out. Sadly they are still struggling with the fact I can’t show them where on my website the card numbers will be acquired for this service *rolls eyes*.

@Tej Patel or @Andrew Tokeley – any way you could give their compliance team a nudge?

Andrew
27 May 2013 #

Thanks for the response.

So for a basic user, with less than 100 invoices per month – DPS charge $50 per month – additional fees and then charged by your bank (merchannt fees), is that right?

Is really going to be that much cheaper than PayPal – or is it just a different option?

Josh
27 May 2013 #

Not quite there yet – trying to setup DPS. we have an existing account. Error comes up when clicking on invoice link as “Unfortunately we can’t find that bill” – looks like an invalid key. What is the key if not DPS password ?

Anyone else had the same and know solution ?

Andrew Tokeley
27 May 2013 #

A few people have been asking about better ways of passing on credit card charges to customers. Certainly something we could consider (i.e. when the payment service is set up you could specify a percentage/flat fee to add to the invoice upon payment). This isn’t something we are actively working on at the moment, but it would be great to get feedback through community voting to gauge the demand for this https://community.xero.com/business/discussion/88861

Ari Davies
27 May 2013 #

@Josh, the key required is not your dps password, if you contact DPS sales@paymentexpress.com they can help you setup the key you will need. This is free for a limited time for existing DPS customers, so shouldn’t cost anything to enable.

@Warren Sheppard, thanks for the feedback, DPS will discuss with ASB to ensure their compliance team is aware.

Regards,
Ari Davies
http://Www.paymentexpress.com

Daryl Raverty
27 May 2013 #

Andrew. Re DPS, I agree, once you add the monthly fee plus the banks Merchant fees the whole thing wont be any better than Paypal. At least Paypal charge nothing for no transactions, and there is no Merchant fee on top. I still mave my mobile EFT machine that I can use for customer payments by phone. Eway is no better, a SMB cops $399 per year for just 5 Transactions, then per transaction after that. The first 5 cost over $6.00 each Plus Merchant fees.

Andrew Tokeley
27 May 2013 #

@Steve – we’ll be evaluating additional payment services based on feedback, would be good for you (and others) to put their weight behind them (e.g. SecurePay – https://community.xero.com/business/discussion/1753466/).

Also note, that it may be possible to integrate with these other services using the Custom URL feature we have now – you could reach out to them to see if this is possible.

Shaun Quincey
27 May 2013 #

Debitsuccess provides gateways for both Direct Debit and Credit Card with the ability to forward the charge onto the purchaser. Who do we talk to about an integration solution for our customers using Xero?

LGV
27 May 2013 #

Can you make Xero work using Bitcoin Payments to USD possible via API from http://www.bitpay.com

Andrew Tokeley
27 May 2013 #

@Shaun – contact me at andrew.tokeley@xero.com

Cathy Freear
27 May 2013 #

That’s great news for my clients. Are clients able to pay only part of the invoice using Paypal?

Andrew Tokeley
27 May 2013 #

Hi @Cathy – at the moment we only support paying the entire invoice amount, not part payments.

Easy Gardener Ltd
27 May 2013 #

@Andrew at Xero. Andrew just looking at the Invoice the images on it, wondering if there is a way to only select with gateways we have. eg: Visa, MasterCard. our DPS gateway dosnt support “American Express & Discover”

Andrew Tokeley
27 May 2013 #

@EasyGardener – deselecting individual cards when you set up a payment service in Xero should prevent the corresponding images from displaying on invoices. Is this what you mean?

Denise Twigger
27 May 2013 #

You guys never cease to amaze… So glad I am riding this wave with you guys. Brilliant simplicity!

Samantha Warman
27 May 2013 #

Please put in the ability to deal with UK CIS payments as I can then change all my construction clients over to Xero.

Essential Marketer
27 May 2013 #

Excellent news. We will be setting ours up with the GoCardless nesxt week! Any advice on the way we should set it up would be greatly appreciated? We will just follow the process, it looks good with instant free setup though :-)

Mark Berghan
27 May 2013 #

Moneybookers/Skrill coming anytime soon??? Many of our EU clients and contractors use this one.

Will
27 May 2013 #

Looking forward to SwipeHQ integration :).

Tiaan Kotze
28 May 2013 #

Will companies in South Africa also be able to use this feature?

Gavin Bottrell
28 May 2013 #

Fantastic. This is really powerful!! Great news.

David Cournoyer
28 May 2013 #

Please, we want more option in Canada!!! Paypal fee are high…

David Cournoyer
28 May 2013 #

Also, many of my customer have difficulty to pay with paypal when they don’t have a paypal account. They received an obscur message “The card you entered cannot be used for this payment. Please enter a different credit or debit card number.”

Aron
28 May 2013 #

This is great news … however your API that returns invoice data really needs to include the public (non-login needed) url to the view invoice page. Our users should not have to login to both my app and yours to view an invoice and pay it. Please include this field in your API. It would make a HUGE difference for us.

Justin
28 May 2013 #

For payments, that’s good news but we’ve invested in other solutions long ago because xero took so long, however, adding the bulk reconcile makes me happy – I can’t believe it was removed!

Grant Johnson
28 May 2013 #

We currently use DPS to take automatic recurring subscription payments from customers. Therefore customers don’t manually pay via the invoice. However, at present we manually import the individual DPS transactions into Xero and reconcile them against the lump sum that comes into our bank account from DPS. Will this DPS integration lead to a direct feed of DPS transaction data into Xero? From my reading of the new help doc it seems that the reconciliation takes place per invoice when paid via the invoice.

Nigel
28 May 2013 #

Thank you for this. I can’t find documentation for the invoice formatting changes relating to tax subtotals. Are there examples on your help site? And can I show tax per line yet, without having to create a .docx invoice?

Doesjka
28 May 2013 #

Are you considering the option of auto-reconciliation of these payments?

Chad Davis
28 May 2013 #

Fantastic step in the right direction and thanks to all who put a lot of work into this Payment Services launch.

It would be awesome if recurring payments could be created and applied against recurring invoices. I know a lot of customers who would willingly shut down accounts with other providers if this was an option (sometimes saving $30-$70/mth).

And thanks for adding Stripe for us Canucks.

Oliver Romain
28 May 2013 #

Very straight forward to add. We started using Pay Pal for online credit card transactions a month or so ago, however, we had to send a payment request and some customers got confused thinking they needed a PayPal account.
This is perfect as it means we can get paid without the fuss. Our PayPal charges are not cheap, however, you can withdraw funds INSTANTLY!

Ross Wakelin
29 May 2013 #

Great to see the development continuing.
On the payment front is there any work going into BPay for my Australian clients. A common form of payment here but one not currently supported by xero.
Keep up the good work!

Roger
29 May 2013 #

Alright, now I don’t have to explain to people that they don’t need a paypal account to pay online! Looks good!

Dimple
29 May 2013 #

Andrew, so glad to see Xero has integrated with Stripe! Thank you! Like other Saas companies, we set up reoccurring payments with customers, (rather than invoicing each month) and charge for overage through Stripe. Is it likely that this will also included as part of the integration at a later date?

Andrew Tokeley
29 May 2013 #

@EssentialMarketer – if you have any issues setting up GoCardless (am sure it will be a breeze), then best to talk to them directly. Enjoy!

Andrew Tokeley
29 May 2013 #

@Ross, @Will, @MarkBerghan – we will be deciding which new Payment Services to add moving forward by customer demand, so the best thing to do is to head on over to http://community.xero.com, set up a Feature Request, and gather some votes.

Andrew Tokeley
29 May 2013 #

@Tiaan – DPS and PayPal are currently the only options for South Africa

Andrew Tokeley
29 May 2013 #

@DavidCournoyer – hey, Stripe will work in Canada too.

Andrew Tokeley
29 May 2013 #

@Aron – good idea, I’ll let the API guys know.

Andrew Tokeley
29 May 2013 #

@Grant – no afraid not, feeds are still from the bank rather than from DPS.

Andrew Tokeley
29 May 2013 #

@Nigel – well spotted, Help was updated with this information today – check out, http://help.xero.com/#Q_InvoiceSubtotal

Andrew Tokeley
29 May 2013 #

@Doesjka – no, we won’t be auto-reconciling the payments. Mainly because of the challenges in getting it right 100% of the time and the pain of getting it wrong and not necessarily knowing about it until it’s too late.

The reconciliation process is made trickier because the different ways Payment Services apply their fees. Some will deduct the fee from each transaction, while others may aggregate the fees into a lump sum – this means that invoice payments in Xero may not add up exactly with the amount deposited into your account by the payment service.

Peter Thornton
30 May 2013 #

Can we have the nice fresh invoice template demo’d in the video????

Please!

Zachary H
30 May 2013 #

Would be great to see Dwolla integration as well! I know they don’t do credit cards, but they are quick and easy way to pay for clients. Can’t argue with a microscopic fee of only 25 cents per transaction (no percentages added!).

Tim@Tax-Hero
31 May 2013 #

I need to be able to do subscription billing… recurring invoices that are auto-paid with stripe. When is that coming? I can do it today with freshbooks and integrate with xero but that seems silly, doesn’t it. :)

Jayden
3 June 2013 #

Hi guys. Any response to my request (and subsequently, Jason’s)? I think it is fair and would be a very welcomed addition that wouldn’t require much too much dev work.

Andrew Tokeley
3 June 2013 #

@Jayden, @Jason – I made a general response above (didn’t call out your names, sorry) – suggested that you put weight behind the idea on community, https://community.xero.com/business/discussion/88861

eWAY is looking fwd in making it EASY for business to take payments via their invoices.
Please see http://www.eway.com.au/xero for some great news and offers for XERO customers. Cheers Matt Bullock CEO eWAY

Andrew
4 June 2013 #

So I’ve investigated with my Bank in NZ (ASB) and it looks like its quite a bit cheaper using PayPal – so I guess Ill just stick with the current method.

Would be brilliant to automatically add x% to a invoice when customer selects payment by Credit Card.

Jayden
4 June 2013 #

@Andrew – thanks for that. I missed your earlier response, sorry!

Peter Thornton
13 June 2013 #

Ay response to my post about getting the invoice theme used in the demo video?

I’ve tried designing my own but they loose some of the nice touches of the standard theme…like discount advices, remittance advice cut-off icons etc.

Andrew Tokeley
14 June 2013 #

@Peter – the only invoice we show in the video is an online invoice (http://help.xero.com/#OnlineInvoices) and was the result of a standard theme – you can send your customers an online invoice by selecting this option on the send dialog in Xero.

If you want more control over the PDF version of an invoice then create a new DOCX invoice theme, the default invoice template will be pretty close to the standard theme output and is a good place to start making incremental updates. You can also have a look at the demo version of Xero and see what customised templates they have there.

James
27 August 2013 #

We’ve just set up DPS and it works well. It’s slightly different to the video above in that it takes our customer to the ugly DPS credit card details input screen. Is it possible to do this in Xero like the Video?

Rob
3 September 2013 #

Hi, does this work for recurring billing? i.e. if a customer has a subscription and the customer enters their credit card details it will automatically bill the card monthLy?

Thanks in advance

Andrew Tokeley
4 September 2013 #

@James – no, this is a restriction with the way we integrate with DPS. Each provider is different in this regard.

@Rob – no, not at this stage, I’m afraid. We agree this would be nice though.

James
5 September 2013 #

Thanks Andrew,
Which payment providers appear to stay in the Xero website throughout the payment process like in the video?
At the moment we direct our customers to Xero online invoicing then they get sent to 3rd party to enter credit card details and I’m just worried about trust issues having to explain all the parties involved to our customers. (plus it’s an ugly screen)
The process in the video looks much better than our setup.

Andrew Tokeley
5 September 2013 #

@James – currently the inline ones are Stripe and eWay.

Brookexm
14 January 2014 #

Hi, Please default DPS gateway for repeating transactions to ‘yes’ (Currently set to ‘no’) in order to enable setting up monthly payments in the money user panel. No point having recurring invoices as a feature when you can’t set up recurring payments. Should literally be a 5 minute fix.

Derek Johnson
19 January 2014 #

can someone help me set up the custom url with Elavon’s virtual merchant? My HTML code continues to not work.

Kellie Mcneil
3 February 2014 #

Very good news, just having the ability to create an uncomplicated prompt to remain provided when reports will not be paid off time is much more beneficial

Matt Bullock – CEO eWAY
28 February 2014 #

Guys,
Interested in your views…

How important is it for you and your customers to charge a credit card service fee ie 2% on top of the invoice amount when processing credit cards?

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