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Xero introduces Apple Pay

Posted 4 years ago in Small business by
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Today we released our latest integration with Apple, the ability to pay Xero invoices with Apple Pay.

Mobile payments are the way of the future. It’s predicted that by the end of this year, mobile payment transactions in the US will grow 210%. As mobile payments become the preferred method, small businesses need to keep up.

How Apple Pay works with Xero

Xero customers that offer Stripe as a payment service will have Apple Pay enabled automatically on their invoices. You don’t have to do anything on your end. Customers who have Apple Pay will get a prompt to confirm their credit card payment using Touch ID. They won’t even have to enter their credit card details.

For more information on how to set up Stripe for your business, go here.

What this means for your business

Apple Pay is one of the many ways Xero helps you get paid faster. We all know cash flow is the most important metric in your business. Even more important than whether or not you’re profitable.

“Before I started using Xero, I was just too busy to effectively manage cash flow and payroll. The wheels were coming off despite the fact that business was going well,” said Ryan Pinke, the owner of Video Conference Gear. His company offers electronic, collaborative, digital signage and video conferencing solutions. “I got great advice and counseling from my Xero-certified accounting partners at Catching Clouds. Now my cash flow has never been stronger and I can focus on my customers around the globe.”

According to our data, over 60% of the invoices you send will end up overdue. This means cash that should be available in your business is out there waiting for collection.

Attaching a payment option to your online invoice helps you get paid up to 80% faster than invoices that don’t have a pay now option. With Apple Pay your customers can pay their invoice with Touch ID. No more searching for their credit card or manually entering payment details in order to pay you.

“I always advise my clients to take advantage of the amazing ability Xero has of linking to online payment providers like Paypal and Stripe. These services have changed the way my clients operate their business. It reduces the unnecessary burden of data capturing and positively impacts their cash flow, allowing them to focus solely on what they do best. Running their business,” – Brad Sewitz, Logicca Chartered Accountants.

You can also save time with your bank reconciliation. All transactions from Apple Pay will be automatically entered and matched against invoices in Xero.

Stripe and Apple Pay are available in the United States, United Kingdom, Australia, Canada, Singapore and Ireland. From January 2017 Stripe will be available in NZ so Xero customers can take advantage of Apple Pay

The added security of Apple Pay

Online security is a big deal. So is being able to verify the payments you’re receiving from customers. Small businesses can end up footing the bill for a stolen credit card when the bank claims the charges back. Losing money that was already in the bank is a blow to any business. With Apple Pay, you can rest easy knowing that Apple has verified that payment using Touch ID. This will not only help decrease fraud, it can also help you decrease the amount of chargebacks during the holiday season.

Don’t chase invoices again

With customers able to pay you instantly when they open an online invoice, you can spend less time chasing payments and spend more time on your business. Still have unpaid invoices? Turn on Invoice Reminders and have them prompted automatically when their invoice is overdue. With the entire process automated, you can set and forget your invoicing and never have to worry about not getting paid.

Stripe and Apple Pay will not only save you time this holiday season, they will also let you rest easy that the payments you receive will stay in the bank. The only question left is what you will do with all those newfound hours.


xero fan
December 6, 2016 at 4.21 pm

Congrats on this very useful feature.
Do we have to set this for EACH invoice?
Small suggestion. Would it be possible to have this setting done at the customer level instead of invoice level?
It would also be helpful if this can be done at the business level — meaning this setting is applicable to all customers.

Phil Cowley
January 1, 2017 at 7.59 am

There is no upper limit on such ‘Apple Pay’ transactions then?

Jo Blundell
January 20, 2017 at 3.14 pm

Hi Phil, essentially Apple Pay is the ability for someone to authorise a payment on their credit card using their Apple ID / Touch ID. So there is no limit to an Apple Pay transaction as such, however the customer probably has a credit card limit that will apply.

David Vlasic
March 30, 2017 at 11.07 am

Hi Phil,

We’ve completed the setup through Stripe and all seems to work fine.

My question is will the Apple Pay logo be added to the Credit Card icons that appear at the bottom of the invoices or is this something we need to do?

All the best,

Jo Blundell
March 30, 2017 at 12.20 pm

Hi David, we don’t have any current plans to add the Apple Pay logo onto invoices, but you’re welcome to do that.


Nico Macdonald
April 11, 2017 at 1.05 am

Will Apple Pay work with any bank receiving the payment? I ask as my bank NatWest (UK) doesn’t yet support Apple Pay with its business debit cards.

Jo Blundell
April 11, 2017 at 10.59 am

Hi Nico, Yes, the payment will be processed via the payers credit card, which is set up to work with Apple Pay. So the payment will be received as normal to any bank account regardless of whether they support Apple Pay.

June 24, 2020 at 10.01 pm

Is there a charge if using Apple Pay for the customer, even though it’s from a debit card? Also how long does it take to receive payment, as Stripe is normally 7 working days.

Beeny Atherton in reply to Helen Xero
June 25, 2020 at 12.23 pm

Hi Helen, thanks for your comment. Apple Pay is supported by Stripe in Xero. Stripe charges the same rate for processing Apple Pay transactions as for all other credit and debit card transactions. There’s no additional fee from Apple for Apple Pay transactions. You can find more information here.

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