Accept payments on the spot with Tap to Pay on Android
Tap into a better way to get paid
Accept payments on the spot
Spend less time chasing payments and more time managing cashflow.
No physical terminal needed
Receive payments via Stripe using the Xero Accounting app on your mobile.
Less transactional admin
Invoices are automatically marked as paid, ready for reconciliation.
Another secure way to get paid
With more ways for your customers to pay, you’re more likely to get paid on time.
Using Tap to Pay is easy
Your customers can pay with a physical card, digital wallet, or a wearable device like a smartwatch.
1. Take payment
Create an invoice in the Xero Accounting app and select ‘Take payment’. The customer pays you.
2. Optionally, send a receipt
After payment, you can send a receipt to your customer.
3. Reconcile the paid invoice
The invoice is automatically marked as paid in Xero, ready for reconciliation.
Frequently asked questions
Tap to Pay is available to all customers using an Android phone. At the moment, physical debit and credit cards can only be used for transactions under $100 as PIN verification for amounts over $100 is not yet available. Transactions over $100 can still be processed using a digital wallet or wearable device.
Tap to Pay is available to all customers using an Android phone. At the moment, physical debit and credit cards can only be used for transactions under $100 as PIN verification for amounts over $100 is not yet available. Transactions over $100 can still be processed using a digital wallet or wearable device.
Tap to Pay is free to set up, with no ongoing monthly or subscription fees. There is, however, a processing fee once a customer makes payment. The fees are 1.7% + A$0.25 per transaction for domestic cards (inc. GST), and 3.5% + A$0.25 per transaction for international cards.
Tap to Pay is free to set up, with no ongoing monthly or subscription fees. There is, however, a processing fee once a customer makes payment. The fees are 1.7% + A$0.25 per transaction for domestic cards (inc. GST), and 3.5% + A$0.25 per transaction for international cards.
We’re launching Tap to Pay in partnership with Stripe, so you’ll need a Stripe account and the Xero Accounting app on your mobile phone. Both Stripe and the Xero Accounting app are free to download and easy to set up. Tap to Pay isn't currently available for users with multiple Stripe accounts connected to their organisation. Tap to Pay also requires your location settings to be switched on in your mobile phone. Please turn on your location settings by visiting your phone settings.
We’re launching Tap to Pay in partnership with Stripe, so you’ll need a Stripe account and the Xero Accounting app on your mobile phone. Both Stripe and the Xero Accounting app are free to download and easy to set up. Tap to Pay isn't currently available for users with multiple Stripe accounts connected to their organisation. Tap to Pay also requires your location settings to be switched on in your mobile phone. Please turn on your location settings by visiting your phone settings.
Tap to Pay is available with the following Android devices, as long as the operating system is Android 11 and above: Google Pixel, Samsung Galaxy, Oppo, OnePlus, Xiaomi.
See more details on compatible device modelsTap to Pay is available with the following Android devices, as long as the operating system is Android 11 and above: Google Pixel, Samsung Galaxy, Oppo, OnePlus, Xiaomi.
See more details on compatible device modelsTap to Pay supports payments made using physical cards, a digital wallet or wearable device. At the moment, physical debit and credit cards can only be used for transactions under $100 as PIN verification for amounts over $100 is not yet available. Transactions over $100 can still be processed if a digital wallet or wearable device is used for payment.
Tap to Pay supports payments made using physical cards, a digital wallet or wearable device. At the moment, physical debit and credit cards can only be used for transactions under $100 as PIN verification for amounts over $100 is not yet available. Transactions over $100 can still be processed if a digital wallet or wearable device is used for payment.
Tap to Pay is a great option for small business owners who invoice customers and accept in-person payments, for example, those working in construction, retail or professional services.
Tap to Pay is a great option for small business owners who invoice customers and accept in-person payments, for example, those working in construction, retail or professional services.
Tap to Pay works a bit differently to most payment terminals as you need to create an invoice before you can take payment. It’s a great option for small business owners who invoice their customers and prefer to take in-person payments. Examples include plumbers and tradespeople who do house visits and can collect payment on site; fitness instructors who are off site and need to take payment at the end of class; and hair stylists who need a backup solution for their usual point-of-sale system.
Tap to Pay works a bit differently to most payment terminals as you need to create an invoice before you can take payment. It’s a great option for small business owners who invoice their customers and prefer to take in-person payments. Examples include plumbers and tradespeople who do house visits and can collect payment on site; fitness instructors who are off site and need to take payment at the end of class; and hair stylists who need a backup solution for their usual point-of-sale system.
Yes, Tap to Pay needs an internet connection to work. It could be a mobile signal or wi-fi. Tap to Pay will not work offline.
Yes, Tap to Pay needs an internet connection to work. It could be a mobile signal or wi-fi. Tap to Pay will not work offline.
Tap to Pay is only available with Stripe.
Tap to Pay is only available with Stripe.
Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.
Get the Android app
The Xero Accounting app is included as part of your Xero subscription and free to download.