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Get paid faster with Payment Services

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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.

  • 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)

  • 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.


Alexander Kohl
May 27, 2013 at 10.33 am

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.

May 27, 2013 at 10.33 am

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
May 27, 2013 at 10.36 am

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
May 27, 2013 at 10.56 am

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

Melanie Power
May 27, 2013 at 10.58 am

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….

May 27, 2013 at 11.06 am

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

May 27, 2013 at 11.08 am

Great News Team… Keep up the good work

May 27, 2013 at 11.22 am

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.


Berend de Boer
May 27, 2013 at 11.23 am

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
May 27, 2013 at 11.24 am

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

May 27, 2013 at 11.36 am

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
May 27, 2013 at 11.36 am

@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
May 27, 2013 at 11.37 am

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

Andrew Tokeley
May 27, 2013 at 11.37 am

@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
May 27, 2013 at 11.41 am

@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.

May 27, 2013 at 11.43 am

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

May 27, 2013 at 11.45 am

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
May 27, 2013 at 11.57 am

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

May 27, 2013 at 11.58 am

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 (Interactive Voice Response)
Vending / Parking
CHSCompacDPS Private GPRS APNOtherParkeonScheidt & BachmannSKIDATA

Easy Gardener Ltd
May 27, 2013 at 11.59 am

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

Easy Gardener Ltd
May 27, 2013 at 12.01 pm

@Andrew, looks like you have the wrong key

May 27, 2013 at 12.02 pm

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

May 27, 2013 at 12.08 pm

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
May 27, 2013 at 12.13 pm

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!

May 27, 2013 at 12.14 pm

Yay… now I can save on PayPal fees!

Andrew Tokeley
May 27, 2013 at 12.16 pm

@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
May 27, 2013 at 12.22 pm

@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 ( to let us know that you’d still prefer Authorize.Net over the other new payment gateways that have come online.

Matt Ryan
May 27, 2013 at 12.26 pm

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

May 27, 2013 at 12.27 pm

@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.

May 27, 2013 at 12.40 pm

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.

May 27, 2013 at 12.41 pm

It would be awesome if SecurePay could also be integrated.

Tej Patel
May 27, 2013 at 12.49 pm


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 for assistance.


Galen King
May 27, 2013 at 1.10 pm

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

May 27, 2013 at 1.11 pm


How about Securepay/camtech for Australia?



Warren Shepherd
May 27, 2013 at 1.53 pm

+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?

May 27, 2013 at 2.09 pm

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?

May 27, 2013 at 2.44 pm

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
May 27, 2013 at 3.14 pm

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

Ari Davies
May 27, 2013 at 3.43 pm

@Josh, the key required is not your dps password, if you contact DPS 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.

Ari Davies

Daryl Raverty
May 27, 2013 at 3.43 pm

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
May 27, 2013 at 3.46 pm

@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 –

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
May 27, 2013 at 4.07 pm

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?

May 27, 2013 at 4.14 pm

Can you make Xero work using Bitcoin Payments to USD possible via API from

Cathy Freear
May 27, 2013 at 4.57 pm

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

Andrew Tokeley
May 27, 2013 at 5.00 pm

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

Easy Gardener Ltd
May 27, 2013 at 5.14 pm

@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
May 27, 2013 at 5.25 pm

@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
May 27, 2013 at 8.38 pm

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

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