Give your customers more ways to pay & get paid faster

Accept payments straight from your online invoice to get paid up to 2 x faster. Cards, digital wallets, secure bank payments, buy now, pay later & more. Xero works with secure online payments services that integrate seamlessly with your account.

A business owner uses Xero to receive payments online for invoices with Xero’s ‘pay with credit or debit card’ feature.

Free, one-time setup; get started in minutes

Easy set up, no ongoing costs. Just low transaction fees you can share or pass on to your customer.

Less chasing, faster payments

Add a ‘Pay now’ button to invoices and get paid up to twice as fast. Take in-person payments with Tap to Pay.

Payment options that work the way you do

Accept payments by credit cards, debit cards, direct debit, and more using trusted payment services.

Make it easy for customers to pay

Let customers pay the way they want. Choose to send invoices via SMS, or send a quick link to get paid.

Start accepting online payments in minutes

Setting up online payments in Xero is easy. With just a few steps you can connect Stripe to your invoices, allowing your customer to securely pay online while reducing the time you spend chasing payments.

  • Included
    Connect a payment processor to online invoices in Xero for free
  • Included
    No subscription costs
  • Included
    Only pay a transaction fee when customers pay online, then choose to pass on some or all of the fee to them
Add online payment methods to your invoices
A business owner uses Xero to accept online payments from their customers.

Let customers pay the way they want

Join businesses like yours who are already tapping into the 86% of customers who say they prefer to pay via credit and debit card. Let your customers pay their way for healthier cash flow. From credit cards, debit cards, and digital wallets, to direct debit and instant bank payments.

50% less time spent chasing payments

Allow your customers to pay instantly, straight from the invoice with Xero’s click-to-pay functionality, get paid faster, and reduce the likelihood of mistakes being made. Xero customers say they spend 50% less time chasing payments.

Get access to exclusive features

Choose how you invoice - send invoices via email, or via SMS and get paid up to 4 x faster. Short on time? Create and share a quick payment link in less than 1/2 the time it takes to create a standard invoice.

Automate recurring payments

Do you regularly invoice the same customers? Get paid on the due date automatically with recurring card payments.

Online invoices display on different devices, including a mobile phone.

New to Xero?

Start using Xero, free for 30 days.

A tablet showing Xero's user interface with paper documents around it.

Already a Xero customer?

Log in to set up online payments now.

A person sends an invoice from Xero as shown on a mobile phone

FAQs about accepting payments

Use online payments so your business can automatically accept payments from customers. For example, you can automatically take direct debits or bank-to-bank payments from a customer on each due date using GoCardless.

See how to add a payment service

Use online payments so your business can automatically accept payments from customers. For example, you can automatically take direct debits or bank-to-bank payments from a customer on each due date using GoCardless.

See how to add a payment service

Stripe helps customers pay online in many ways, like credit and debit cards, digital wallets, and ‘buy now, pay later’ options. Stripe also lets you accept multiple payment types with a single signup, and feeds the transactions to Xero for you to reconcile them.

Learn more about accepting online payments with Stripe and Xero

Stripe helps customers pay online in many ways, like credit and debit cards, digital wallets, and ‘buy now, pay later’ options. Stripe also lets you accept multiple payment types with a single signup, and feeds the transactions to Xero for you to reconcile them.

Learn more about accepting online payments with Stripe and Xero

The link below has step-by-step instructions for setting up Stripe. You can then accept payments by multiple methods, including credit and debit cards, Apple Pay and Google Pay, and ‘buy now, pay later’ options.

See how to add Stripe as a payment service

The link below has step-by-step instructions for setting up Stripe. You can then accept payments by multiple methods, including credit and debit cards, Apple Pay and Google Pay, and ‘buy now, pay later’ options.

See how to add Stripe as a payment service

Minimise late payments by automatically debiting your customer’s bank account on the due date of your Xero invoice. GoCardless integrates with Xero, so scheduling and reconciling payments is easy.

Learn more about accepting payments with GoCardless and Xero

Minimise late payments by automatically debiting your customer’s bank account on the due date of your Xero invoice. GoCardless integrates with Xero, so scheduling and reconciling payments is easy.

Learn more about accepting payments with GoCardless and Xero

Click the link below for step-by-step instructions on how to set up GoCardless payments. Customers can then pay your online invoices by direct debit.

See how to add GoCardless as a payment service

Click the link below for step-by-step instructions on how to set up GoCardless payments. Customers can then pay your online invoices by direct debit.

See how to add GoCardless as a payment service

Use a payment service provider to accept card payments. Stripe, for example, is a leading provider that works with Xero. When you sign up to Stripe, Xero adds a Pay Now button to your invoices so customers can pay you by credit card directly from their invoices.

Use a payment service provider to accept card payments. Stripe, for example, is a leading provider that works with Xero. When you sign up to Stripe, Xero adds a Pay Now button to your invoices so customers can pay you by credit card directly from their invoices.

When your customer receives a Xero invoice, they can pay according to the payment methods you've enabled. Xero then sends payment information via an online payment gateway to their bank, which checks their identity and available funds before payment.

When your customer receives a Xero invoice, they can pay according to the payment methods you've enabled. Xero then sends payment information via an online payment gateway to their bank, which checks their identity and available funds before payment.