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.
Collect payments online without the admin
Running your small business is easier when you accept payments online from invoices or your website via a trusted online payment service.
Speed up invoice payments
Add a Pay now button to invoices to collect payments online and get paid faster with automatic reconciliation in Xero.
Flexible ways to pay
Offer customers their preferred methods, accept credit card and ACH payments online through Stripe or GoCardless.
Say reconciled automatically
Payments flow through online invoice payment processing and auto-reconcile in Xero.
Let customers pay the way they want
It's true: 86% of customers say they prefer to pay via credit and debit card – so let your customers 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.
Did you know:
81% of Xero customers agree Xero's online payments help them get paid on time. Add online payments to your invoices.
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 can pay in fewer steps using secure options for paying online. And you probably won't need to chase them for a late payment!
- Schedule friendly reminders and let online invoice payment processing reconcile payments automatically in your books.
- 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
Use invoice templates:
Personalize invoices and add a Pay now button with your logo and message.
Fewer steps to pay:
Send invoices or share a link to view the invoice online so customers can pay with a click.
Automate the follow-up:
Spend less time following up and more time planning your cash flow.
Keep your online payments secure
Xero works with trusted providers to give you and your customers full confidence in the payments process.
Built-in fraud protection
Trusted payment providers use fraud detection tools, and authentication may be required in some regions to help make payments more secure.
Tamper-resistant invoices
Online invoices are harder to alter than PDFs and include an audit trail.
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.
Let customers Tap to Pay
See your customers in person? Accept card payments on the spot with Tap to Pay, powered by Stripe. There's no messing around with invoices – just take the payment right there and then. Simple!
- No physical terminal needed – accept business payments with the Xero Accounting app on your mobile
- Your customers can pay using a physical card, digital wallet, a smartwatch, or another wearable device
- Getting paid sooner boosts your cash flow and saves you from chasing unpaid invoices
Take payments from your ecommerce store
If you sell on Amazon or Shopify, upgrade your Xero subscription to include Xero Inventory Plus so you can sync products, orders and inventory with Xero.
- Keep all your data in one place with Xero
- Track your profit or loss on your Xero dashboard, and keep your financial records up to date for tax time.
Plans to suit your business
All pricing plans cover the accounting essentials, with room to grow.
Why businesses love Xero online payments
Fast for customers, less admin for you and built to scale as you grow.
Less time chasing payments
"Pay now" and automated reminders help you get payments online faster.
Happier customers
Secure online payment options let customers pay straight from invoices by card or ACH/direct debit.
Ready to scale
Going global? Our online payment services make 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. With Xero, it's simple.
- Keep all your data in one place
- Connect to your bank
- Collaborate in real time
- Grow your Xero organization with your business
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 Xero.
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 Xero.
Xero allows me to do what I love doing, which is creating
Xero makes Orenda Tribe run seamlessly
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 80% off Xero’s then-current regular price for the first 3 months is only available to new customers in the US purchasing their first organization on xero.com. Offer available using code DC8032614GL at checkout. Discount applies to base Early, Growing, Established plan subscriptions and does not apply to any additional charges for add‑ons, usage and payment fees, unless otherwise specified. After the first 3 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).
a. ††Payment fees apply to the use of online bill payments. The payment fees are in addition to your Xero monthly subscription amount, and are subject to change. All fees are in US dollars and exclude applicable taxes unless otherwise specified. See here for more information.
b. ^Payment fees apply to the use of online invoice payments. See here for more information.
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 80% off Xero’s then-current regular price for the first 3 months is only available to new customers in the US purchasing their first organization on xero.com. Offer available using code DC8032614GL at checkout. Discount applies to base Early, Growing, Established plan subscriptions and does not apply to any additional charges for add‑ons, usage and payment fees, unless otherwise specified. After the first 3 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).
a. ††Payment fees apply to the use of online bill payments. The payment fees are in addition to your Xero monthly subscription amount, and are subject to change. All fees are in US dollars and exclude applicable taxes unless otherwise specified. See here for more information.
b. ^Payment fees apply to the use of online invoice payments. See here for more information.