Make bill payments, directly from Xero

Pay bills online in just a few clicks. Save time, stay in control and enjoy the flexibility to pay the way you want.

See how to make bill payments in Xero

Make paying bills super simple

Pay one bill or many in 25+ currencies in just a few clicks. Schedule GBP payments, pay multiple bills to the same supplier in one easy transaction, and enjoy automatic reconciliation saving time and effort.

Laptop being held shows multiple bills selected in Xero. Direct bank is selected as the payment method.

Flexibility to pay your way

Send money to 180+ countries including Europe (EUR), America (USD) and Australia (AUD). With no e-wallets, accounts or virtual IBANs, delight suppliers with prompt payments direct to their bank account.

Multiple paper bill envelopes fanned out with check and bank icons shown as payment options. A cursor clicks on a paid button.

Maintain control over your payments

Delegate to your employees or advisor. They can prepare bill payments for you to review and authorise. Track payment activity in Xero and use real-time insights to improve cash flow management.

two envelopes moving on track with 3D cursor selecting one to delegate out to employee

Find confidence in every payment

Authenticate bill payments from your banking app or online banking. Crezco securely processes payments from one bank to another, providing peace of mind that your financial data is protected at every step.

cursor hovers over opened paper bill which has a paper trail inside with 0's and 1's data. Bill logo and security icon shows data is protected

Making payments in Xero: How to get started

Read our new guide with tips and tricks to effective bill management, and steps to setting up online bill payments in Xero.

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When you're a small business, every second counts. Using Xero to manage supplier payments, the amount of time we've saved, it's hours and hours - almost daily

Paul Walker, Fred Aldous

Paul Walker is future-proofing a fifth-generation family business with Xero’s new bill payments solution.

Read their story
Paul Walker from Fred Aldous
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Ready to get started?

Setting up bill payments is free and easy, simply login to Xero and connect your bank.

More about online bill payments in Xero

Securely pay bills directly from Xero. Once bill payments are set up in Xero, select the bills you want to pay and select direct bank transfer as the payment option. You will be able to make bill payments in GBP or overseas in 25+ currencies.

See how online bill payments works

Securely pay bills directly from Xero. Once bill payments are set up in Xero, select the bills you want to pay and select direct bank transfer as the payment option. You will be able to make bill payments in GBP or overseas in 25+ currencies.

See how online bill payments works

When you use online bill payments in Xero, those bill payments are processed by Crezco Limited, a payment institution that is authorised by the Financial Conduct Authority to provide payment services. For international bill payments Crezco may use third parties to provide foreign exchange (FX) services.

Learn more about Crezco

When you use online bill payments in Xero, those bill payments are processed by Crezco Limited, a payment institution that is authorised by the Financial Conduct Authority to provide payment services. For international bill payments Crezco may use third parties to provide foreign exchange (FX) services.

Learn more about Crezco

Yes. Applicable payment fees are charged by Xero based on your usage, and depending on your plan are in addition to your Xero monthly subscription amount. All fees are in GBP and domestic bill payments exclude VAT unless otherwise specified. Xero reserves the right to change the cost of this service from time to time.

Learn more about pricing for online bill payments

Yes. Applicable payment fees are charged by Xero based on your usage, and depending on your plan are in addition to your Xero monthly subscription amount. All fees are in GBP and domestic bill payments exclude VAT unless otherwise specified. Xero reserves the right to change the cost of this service from time to time.

Learn more about pricing for online bill payments

You can schedule your GBP bills to be paid at a future date if your bank or financial institution supports future-dating payments (Crezco website). Scheduled bill payments will be charged at the point in time when the batch is authenticated, and not the future payment date. International bill payments can not be scheduled due to fluctuating foreign currency exchange rates.

Learn more about paying bills

You can schedule your GBP bills to be paid at a future date if your bank or financial institution supports future-dating payments (Crezco website). Scheduled bill payments will be charged at the point in time when the batch is authenticated, and not the future payment date. International bill payments can not be scheduled due to fluctuating foreign currency exchange rates.

Learn more about paying bills

Yes. If you have multiple approvers involved in the payment process, you can request someone to pay and they will be notified to review the batch. All payments made from Xero need to be authorised with multi-factor authentication enabled by your bank or building society to prove it is you making the payment.

Learn more about using multi-user approvals

Yes. If you have multiple approvers involved in the payment process, you can request someone to pay and they will be notified to review the batch. All payments made from Xero need to be authorised with multi-factor authentication enabled by your bank or building society to prove it is you making the payment.

Learn more about using multi-user approvals

Payments are processed by Crezco. Crezco is authorised and regulated by the UK Financial Conduct Authority as an Authorised Payment Institution (Firm Reference Number 925173