Fees for online bill and payroll payments (processed by Crezco)

Does it cost anything to make online bill or payroll payments?

If you make payments using online bill payments or online payroll payments, processed by Crezco, you’ll pay the fees set out below.

Please note:

  • Payment fees may apply to the use of online bill payments and payroll payments.
  • Applicable payment fees are charged by Xero based on your usage, and depending on your plan are in addition to your Xero monthly subscription. For example, if you have 10 included payments and you make 17 payments, you would be charged for 7 additional payments at £0.20 each (excluding VAT).
  • Payment fees are not eligible for subscription discounts or offers and are subject to change. Xero reserves the right to change pricing or the terms of this service at any time.
  • A payment refers to a single payment transaction. For bill payments, grouping multiple bills owed to the same supplier into one payment counts as one payment.

What are the fees for domestic (GBP) bill or payroll payments paid using a bank account?

A set number of domestic (GBP) payments using a bank account are included in the Xero Grow, Comprehensive and Ultimate pricing plan limits per month. These are shared across both bill and payroll payments. If you go over this number, there’s a £0.20 per payment fee (excluding VAT) for any additional payments. Unused included payments do not roll over to the next month. The Xero Ignite plan doesn’t include a set number of bill payments, instead there’s a £0.20 per payment fee (excluding VAT).

  • Xero Ignite: No payments included; £0.20 fee per payment (excluding VAT)
  • Xero Grow: Includes 5 free domestic bill or payroll payments per month
  • Xero Comprehensive: Includes 10 free domestic bill or payroll payments per month
  • Xero Ultimate: Includes 15 free domestic bill or payroll payments per month

Note: If you’re part of the Xero partner programme your accounting practice org includes 15 free payments per month. If you go over this number, a per payment fee applies.

What are the fees for international bill payments paid using a bank account?

Pay 0.35% of the total payment amount + bank transfer cost per bill payment.

  • Bank transfer costs may vary depending on the transfer type e.g. SWIFT or local.
  • International bill payments are only available on Xero plans with multi-currency.

FX payments are not included in your plan’s monthly allowance of bill and payroll payments. FX payments are only available to customers who have onboarded to bill payments by bank transfer.

When and how will I be charged fees?

Applicable payment fees will be added to the total of your batch, using the same funding method (e.g., bank account or card) and the sum payable with your bills or pay run.

Scheduled domestic (GBP) bill or payroll payments using a bank account will be charged at the point in time when the batch is authenticated, and not the future payment date.

Payment fees are processed by Crezco in accordance with Crezco’s Terms & Conditions and Privacy Policy.

Xero’s payments terms apply to your use of these services. Changes to fees will not apply retrospectively and, if we make changes, we will make reasonable efforts to notify you in accordance with our terms of use.

Need help?

For more information about making online payments from Xero, or our partnership with Crezco, check Xero Central for online bill payments or online payroll payments. If you require further support about pricing or fees, please raise a case and we'll respond as soon as possible.

Product disclosure

This is factual information only and is not intended to imply any recommendation or opinion about a financial product.

This information does not take into account your objectives, financial situation or needs.

Bill 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)