Take contactless payments on the spot
Forget sending invoices later! Xero’s Tap to Pay technology lets you accept in-person payments there and then. All you need is your mobile phone – no physical terminal – for quick and easy transactions.
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 transactions
- Auto-reconcile 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
- Reconcile transactions
- Auto-reconcile 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
- Reconcile transactions
- Auto-reconcile 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
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile 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 15 payments
- Payroll for 10 people
- 180 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 10 users
- Use multiple currencies
- Tailored financial health scorecards
- Make online bill payments (International) - Optional add-on
- Track time and costs for projects for 10 users
- Analyse KPIs and ratios
- Benchmark against the industry
Stop chasing payments
Just finished a job? Use your mobile to take payment before you go. Your customer can settle up using a credit card, digital wallet, or another favourite method. That way, you know the money is in the bank, without having to chase payments later.
Here’s more on accepting payments with Xero
No physical terminal needed
Xero’s Tap to Pay uses the contactless technology already built into compatible Android devices and iPhones. You don’t need any extra hardware to process phone payments. Just grab your mobile and go!
Go paperless for minimal admin
Xero gives you a fast workflow. Create a new invoice or choose an existing one to accept instant electronic payments from your customer. Xero then automatically marks the invoice as paid, ready to reconcile. That means no waiting and minimal admin.
Find out about eInvoicing with Xero
Offer another secure payment option
When your customers want flexibility, Xero lets you offer them a variety of secure payment methods – including contactless. Once you’ve set up the invoice, just ask them to tap their card, mobile wallet, or wearable device.
How to use Xero’s Tap to Pay
As soon as you finish the job, your customer can pay with a physical card, digital wallet, or wearable device like a smartwatch.
Take a payment
Save everyone the follow-up admin by accepting payment on the spot with the Xero Accounting app.
Send a receipt
After confirming payment, send your customer a receipt if they want one.
Reconcile the paid invoice
Let Xero automatically reconcile the transaction, so you skip the admin and errors.
FAQs on Xero’s contactless payments
It’s easy to start using Tap to Pay on a compatible Android device or iPhone in the UK. Once you’ve got the Xero Accounting app and a Stripe account, you can offer your customers in-person payments.
It’s easy to start using Tap to Pay on a compatible Android device or iPhone in the UK. Once you’ve got the Xero Accounting app and a Stripe account, you can offer your customers in-person payments.
It’s easy. Use the Xero Accounting app on your mobile to create an invoice, or choose an existing one. Then ask your customer to pay you by tapping their physical card, digital wallet, or wearable device on your mobile.
It’s easy. Use the Xero Accounting app on your mobile to create an invoice, or choose an existing one. Then ask your customer to pay you by tapping their physical card, digital wallet, or wearable device on your mobile.
Xero’s Tap to Pay uses NFC contactless technology that’s built into compatible Android devices and iPhones. This allows secure mobile contactless payments.
Xero’s Tap to Pay uses NFC contactless technology that’s built into compatible Android devices and iPhones. This allows secure mobile contactless payments.
You can take payment on a compatible iPhone or Android device. Your customers can pay you using physical cards, digital wallets, and wearable devices.
You can take payment on a compatible iPhone or Android device. Your customers can pay you using physical cards, digital wallets, and wearable devices.
It’s free to set up Tap to Pay with Xero. Stripe then charges a small processing fee per customer payment.
It’s free to set up Tap to Pay with Xero. Stripe then charges a small processing fee per customer payment.
You need the Xero Accounting app, a Stripe account, and a compatible smartphone.
You need the Xero Accounting app, a Stripe account, and a compatible smartphone.
No – 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 UK business to comply with local regulations. If you're unsure, ask your lawyer of financial advisor before applying any surcharges.
No – 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 UK business to comply with local regulations. If you're unsure, ask your lawyer of financial advisor before applying any surcharges.
Absolutely! The payments are processed using secure NFC, encrypted contactless technology, and Stripe’s industry-standard security.
Absolutely! The payments are processed using secure NFC, encrypted contactless technology, and Stripe’s industry-standard security.
Get one month free
Purchase any Xero plan, and we will give you the first month free.
