Online invoice payments: Get paid up to twice as fast*

Take work out of chasing payments. Online invoice payments in Xero make it easy for customers to pay on time, everytime.

Using payments in Xero, our clients are nailing the invoicing process from the beginning. It reduces debtor days and there are no payments to chase.

No more chasing payments. No wonder Lauren’s all smiles.

Portrait of an accountant

Why embrace online invoice payments?

Benefits of paying invoices online

We’ve found that Xero customers using online invoice payments get paid up to twice as fast than those who don’t.* They can accept payments directly from their customers online in just a few clicks. Here are just a few benefits you can start enjoying:

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    Get paid faster
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    Save time chasing payments
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    Seamless experience in Xero
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    Easy reconciliation of payments
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    Better manage cash flow

* Get paid up to twice as fast

Our findings

This figure is based on paid invoices created in Xero between 1 July 2019 and 30 June 2020


Average invoice payment times may vary for each business using the service.

A mobile phone displays a big green tick to indicate an invoice has been paid.

Accept card payments with Stripe

Customers pay by card or Apple Pay

Stripe lets small businesses accept credit card or debit card payments from their customers, as well as Apple Pay.

A leading online payments solution

Stripe handles billions of pounds in transactions in multiple currencies every year.

Learn more about Stripe
The Stripe logo and a thumbs-up sign represent Stripe’s ability to let customers pay online, instantly.

Bank payments made simple with GoCardless

Collect bank payments

GoCardless allows you to collect recurring or one-off bank payments from your customers using both Direct Debit & Instant Bank Pay.

Getting paid on time is easy

Be it fixed or variable amounts, GoCardless helps ensure you get paid on time, taking the hassle out of getting paid.

Customers receive notifications

GoCardless notifies your customers in advance of debiting payment from their bank account, so you both know they’ve paid.

Learn more about GoCardless
The GoCardless logo and two fists bumping on a screen represent GoCardless’s ability to let customers pay online, instantly.

Making the payment process simple

Sign up for Stripe and GoCardless from the invoice set-up screen, or the payments settings under general settings.

A ‘Pay now’ button is added to your Xero online invoices, letting customers pay straight away.

Accept debit and credit card, Apple Pay, or bank payments using one of Xero’s in-product providers.

Helps protect you and your customers from fraudulent activity with secure data.

Use Stripe auto pay on repeating invoices or GoCardless to set up automatic payments to be collected from customers when the invoice is due.

Get started with online invoice payments

How it works

Start accepting online invoice payments with these quick and easy steps:

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    Open an account with an invoice payment provider.
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    When invoicing, choose the payment methods you’d like to offer.
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    Customers receive the invoice and can pay immediately or automate payments.
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    Once paid, the payment provider processes the payment.
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    The funds are then deposited into your bank account.
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    Xero marks the invoice as paid and can be reconciled in one click.

Get your cash flow flowing today

Setting up your business with online invoice payments is simple. As a Xero customer, you can add a payment option to your Xero invoices now.

Add a payment service

Resources for you

Find what you need

Find the right information about online invoice payments in our support articles, guide, webinar and more.

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    Simplifying payments webinar
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    Xero Central support article
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    Connecting to Stripe or GoCardless
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    Guide to online invoice payments
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    Other payment services

Webinar: Simplifying payments

Check out our webinar on simplifying payments for your business.

Watch the webinar

Xero Central support article

Follow step-by-step instructions on how to set up payment services with Xero.

Read our support article

Connecting to Stripe

Find out how to connect to Stripe.

Read our Stripe support article

Connecting to GoCardless

Find out how to connect to GoCardless.

Read our GoCardless support article

Guide to online invoice payments

Learn more about online invoice payments, its key features and benefits, and how to get started.

Read our guide (pdf)


You can connect online invoice payment services like Stripe and GoCardless to your Xero account and start accepting payments. Once activated, a ‘Pay Now’ button will appear on your Xero invoices, and your customers can click the button to pay you instantly. There are many options to choose from, so choose an online invoice payment service that seamlessly integrates with your accounting software.

You can set up online invoice payments from the ‘online payments’ section of a Xero invoice or through the Invoice Settings screen by clicking payment services. It’s free to set up and open an account with Stripe and GoCardless. Once you’ve connected it to Xero, the online invoice payment service will charge a small fee per transaction processed.

Our data shows that Xero customers who use online invoice payments get paid up to twice as fast as those who don’t. Using online invoice payment services like Stripe or GoCardless helps you save time managing the books and chasing payments.

Absolutely! Xero chose both Stripe and GoCardless as best in class for their payment method(s). Both integrations work seamlessly with Xero, and you can offer your customers the options that work best for them.

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