Accept online payments to help get paid fast
Want to make it super easy for customers to pay you? Add a Pay now button to your invoices. Give customers a choice of popular payment options like credit card and direct debit, and use Stripe, GoCardless, or other trusted online payment services.
Xero online payments: fast and frictionless
Xero smooths every step of your customer payments.
Give your customers minimal steps
On receiving your invoice, they just click the Pay now button to get started.
Let them choose how to pay
Credit card? Direct debit? Apple Pay? Give them the options they’re comfortable with.
Offer trusted payment providers
Customers will know they can trust secure US online payment providers, including Stripe and GoCardless.
Let customers pay the way they want
86% of customers say they prefer to pay via credit and debit card, so give your customers the choice to pay how they want. By offering online invoice payment options with Stripe or GoCardless, you're more likely to get paid faster.
- Use Stripe to accept online payments by credit and debit cards, digital wallets, Klarna, ACH Debit, and more
- Accept in-person payments on the spot, via Stripe, using your mobile and the Xero Accounting app
- Use GoCardless to automate recurring payments by ACH Direct Debit
81% of customers [say they] spend less time chasing payments using Xero
*Source: survey conducted by Xero of 104 small businesses in the US using Xero, May-June 2024
Add a Pay now button to your invoices
Set up online payments and your customers can pay you straight from their invoices. They just speed through a few quick steps while trusting in a choice of secure US payment providers. And you probably won’t need to chase them for a late payment!
- It’s easy to add the Pay now button to your online invoices
- Customers just click or tap the button to make the payment directly from the invoice
- By saving your customers time, you’ll increase their satisfaction and loyalty
Keep your online payments secure
Xero works with trusted providers to give you and your customers full confidence in the payments process.
Multi-factor authentication
Anyone accessing your Xero organization needs to go through several steps to log in.
Multiple layers of protection for your data
This includes encryption when your data is stored and transferred.
Tamper-resistant invoices
Xero’s online invoices are harder to alter than PDFs and include an audit trail.
Keep your online payments secure
Xero has the technology to give you full confidence in the payments process.
ISO 27001 security standard compliance
Xero meets the international standard for security management systems.
Multiple layers of protection for your data
This includes multi-factor authentication and encryption when your data is stored and transferred.
Take payments from your ecommerce store
If you sell on Amazon or Shopify, upgrade your Xero subscription to include Xero Inventory Plus so you sync these ecommerce sales with Xero – a streamlined way to accept secure online payments.
- Sync all your sales channels to see your numbers together in Xero
- Check your total sales and profits on your Xero dashboard
- Keep accurate records of your payments for your IRS tax reporting
Plans to suit your business
All pricing plans cover the accounting essentials, with room to grow.
Early
Usually $25
Now $2.50
USD per month
Save $135 over 6 months
Growing
Usually $55
Now $5.50
USD per month
Save $297 over 6 months
Established
Usually $90
Now $9
USD per month
Save $486 over 6 months
Why businesses love Xero online payments
Xero simplifies your payments admin, whether it’s a one-off amount or a recurring bill.
No more paperwork
Your online quotes convert to invoices ready for you to send.
Better cash flow
Options like digital wallet payments encourage your customers to pay sooner. A win for your cash flow!
Ready to scale
Going global? Our online payment processing makes cross-border payments easy, so you reach new markets.
Accounting software for your US small business
Smoothly manage your financial admin online with Xero. Its powerful features are simple to use, from creating invoices and accepting mobile payments to reconciling your books.
- Keep all your data in one place
- Connect to your bank
- Collaborate in real time
- Grow your Xero organization with your business
Xero allows me to do what I love doing, which is creating
Xero makes Orenda Tribe run seamlessly
FAQs on Xero’s accounting system for small businesses
Choose a payment service to accept credit and debit card payments. For example, Stripe is a leading provider that works with Xero. When you sign up to Stripe (from within your Xero organization), a Pay now button appears on your invoices and customers can choose a payment method.
Choose a payment service to accept credit and debit card payments. For example, Stripe is a leading provider that works with Xero. When you sign up to Stripe (from within your Xero organization), a Pay now button appears on your invoices and customers can choose a payment method.
When your customer receives a Xero invoice, they can pay using one of the payment methods you’ve enabled. Xero then sends the payment information via an online payment gateway to the customer’s bank, which checks their identity and available funds before the payment. Xero then reconciles this amount in your books automatically, so your financial records are up to date without you doing anything.
When your customer receives a Xero invoice, they can pay using one of the payment methods you’ve enabled. Xero then sends the payment information via an online payment gateway to the customer’s bank, which checks their identity and available funds before the payment. Xero then reconciles this amount in your books automatically, so your financial records are up to date without you doing anything.
Very! Xero works with trusted payment providers like Stripe and GoCardless to look after your customer data. Xero software itself uses multiple layers of security, including multi-factor authentication, to help prevent fraud and data breaches.
Very! Xero works with trusted payment providers like Stripe and GoCardless to look after your customer data. Xero software itself uses multiple layers of security, including multi-factor authentication, to help prevent fraud and data breaches.
Yes – you can issue refunds in Xero by creating a credit note, overpayment or a prepayment transaction. You just apply a cash transaction to this before Xero reconciles the amount with your bank statement.
Here’s more on processing refunds with XeroYes – you can issue refunds in Xero by creating a credit note, overpayment or a prepayment transaction. You just apply a cash transaction to this before Xero reconciles the amount with your bank statement.
Here’s more on processing refunds with Xero
Check out the ‘I want to pay that way’ report
Learn how consumers and small businesses around the world make and collect payments.
Read the report
See how online payments give customers more ways to pay and help you get paid faster
Get paid now? Yes please.
Start accepting online payments
Here’s everything you need to know to start accepting payments from your customers and making them to your suppliers and employees.See all payments guides.
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Prices are in USD and include tax. Xero reserves the right to change pricing at any time.
Xero subscriptions auto-renew monthly until they are cancelled.
If you later decide to change to a less expensive plan you can do so 1 month after upgrading.
*This offer of 90% off Xero’s then-current regular price for the first 6 months is only available to new customers in the United States purchasing their first organization on xero.com. Offer available until 11:59pm PST on January 30, 2026 using code DC129046AU at checkout. Discount applies to base Early, Growing, Established plan subscriptions only, and will not apply to any additional charges for add-ons, usage or payment fees. After the first 6 months, Xero’s then-current regular price will apply and auto-renew monthly until cancelled. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.
†Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.
^Payment fees apply to the use of online invoice payments. See here for more information.
**Median payment times of invoices with a payment service included and sent via SMS by customers using Xero in US from 9/1/2024 to 3/31/2025 (compared to invoices sent by email and without payment service included).
Prices are in USD and include tax. Xero reserves the right to change pricing at any time.
Xero subscriptions auto-renew monthly until they are cancelled.
If you later decide to change to a less expensive plan you can do so 1 month after upgrading.
*This offer of 90% off Xero’s then-current regular price for the first 6 months is only available to new customers in the United States purchasing their first organization on xero.com. Offer available until 11:59pm PST on January 30, 2026 using code DC129046AU at checkout. Discount applies to base Early, Growing, Established plan subscriptions only, and will not apply to any additional charges for add-ons, usage or payment fees. After the first 6 months, Xero’s then-current regular price will apply and auto-renew monthly until cancelled. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.
†Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.
^Payment fees apply to the use of online invoice payments. See here for more information.
**Median payment times of invoices with a payment service included and sent via SMS by customers using Xero in US from 9/1/2024 to 3/31/2025 (compared to invoices sent by email and without payment service included).