Take payments on tap with Tap to Pay on Xero
Say goodbye to chasing payments with Xero, the first major accounting platform to offer Tap to Pay, powered by Stripe.
All plans to suit your business
Ignite
for the first 6 months
Then £16 per month
An easy financial foundation - track cash flow with the essentials.
- Send quotes and 20 invoices†
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile bank transactions
- Smart document capture
- View real-time reports
- Enter 10 bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for £0.20 per payment††
- Payroll for £1.50 per person
- 30 day cash flow forecast
- Visualise performance with basic graphs
Grow
for the first 6 months
Then £37 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- MTD for Income Tax ready
- Auto-reconcile bank transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 5 payments
- Payroll for 1 person
- 60 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 1 user
Comprehensive
for the first 6 months
Then £50 per month
Optimise profitability - tailor your insights for greater control.
- Send invoices and quotes
- Accept online invoice payments^
- MTD for Income Tax ready
- Auto-reconcile bank transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 10 payments
- Payroll for 5 people
- 90 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 5 users
- Use multiple currencies
- Tailored financial health scorecards
- Make online bill payments (International) - Optional add-on
Ultimate
for the first 6 months
Then £65 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Submit VAT returns to HMRC
- 180 day cash flow forecast
- Smart document capture
- View real-time reports
- Automate subcontractor CIS calculations and reports
- Visualise performance with graphs
- Make online bill and payroll payments (domestic) for up to 15 payments
- Payroll for 10 people
- Claim expenses and mileage for 10 users
- Customise performance dashboards
- Use multiple currencies
- Make online bill payments (International) - Optional add-on
- Track time and costs for projects for 10 users
- MTD for Income Tax ready
- Analyse KPIs and ratios
- Accept online invoice payments^
- Tailored financial health scorecards
- Benchmark against the industry
Accept payments on the spot
Simplify your payment process with Stripe and Xero, by accepting in-person payments once the work is done. This way, you spend less time chasing payments and more time getting paid.
No physical terminal needed
Send invoices and receive payments from customers via Stripe using the Xero Accounting app on your mobile.
Go paperless for reduced admin
With less paperwork comes less admin. Create a new invoice or select an existing unpaid invoice to take payment. Once payment is made, the invoice is automatically marked as paid, ready to reconcile.
Another secure way to get paid
Get end-to-end sales and secure payments with Xero. Offering more ways to pay makes you look more professional. Once you’ve set up your invoice, payment is only a tap away.
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.
More about Tap to Pay with Xero
Use Tap to Pay on Android to accept payments from customers using contactless physical cards; digital wallets or wearable devices like smartwatches.
See how Tap to Pay on Android worksUse Tap to Pay on Android to accept payments from customers using contactless physical cards; digital wallets or wearable devices like smartwatches.
See how Tap to Pay on Android worksWith Tap to Pay on iPhone you can accept contactless payments right on your iPhone—from physical debit and credit cards to Apple Pay and other digital wallets.
See how Tap to Pay on iPhone worksWith Tap to Pay on iPhone you can accept contactless payments right on your iPhone—from physical debit and credit cards to Apple Pay and other digital wallets.
See how Tap to Pay on iPhone worksSmall businesses can accept contactless payments with physical cards, digital wallets, or wearable devices like smartwatches. This can be done straight from the Xero Accounting app on a mobile phone, once an invoice has been raised.
Small businesses can accept contactless payments with physical cards, digital wallets, or wearable devices like smartwatches. This can be done straight from the Xero Accounting app on a mobile phone, once an invoice has been raised.
There are no sign-up, setup or monthly costs included. However, there is a Stripe fee charged by Xero once your customer makes payment. The fees are 1.4% + £0.20 per transaction for European Economic Area (EEA) cards and 2.9% + £0.20 per transaction for non-EEA cards.
There are no sign-up, setup or monthly costs included. However, there is a Stripe fee charged by Xero once your customer makes payment. The fees are 1.4% + £0.20 per transaction for European Economic Area (EEA) cards and 2.9% + £0.20 per transaction for non-EEA cards.
Passing on card processing fees to customers is generally not permitted in the UK. While the option to enable surcharging is available in Xero Web, it's the responsibility of each business to ensure compliance with local regulations. If you're unsure, we recommend seeking legal or financial advice before applying any surcharges.
Passing on card processing fees to customers is generally not permitted in the UK. While the option to enable surcharging is available in Xero Web, it's the responsibility of each business to ensure compliance with local regulations. If you're unsure, we recommend seeking legal or financial advice before applying any surcharges.
Xero is launching Tap to Pay in partnership with Stripe. To use it, you’ll need a Stripe account and the Xero Accounting app on your mobile phone. Both 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.
Xero is launching Tap to Pay in partnership with Stripe. To use it, you’ll need a Stripe account and the Xero Accounting app on your mobile phone. Both 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 supports payments made using physical cards, a digital wallet or a wearable device.
Tap to Pay supports payments made using physical cards, a digital wallet or a wearable device.
Get one month free
Purchase any Xero plan, and we will give you the first month free.
