Accept online payments

Accept payments straight from your Xero invoices so customers can pay you more easily. You’ll get the funds sooner and spend less time chasing invoices.

Make online payment processing easy

Running a small business is easier with online payments.

Protect payments against fraud

Safely accept credit card, debit card, and direct debit payments using trusted payment processing services.

Give customers more ways to pay

Your business looks professional when you accept invoice payments online from leading payment services.

Speed up invoice payments

A pay now button appears on your online invoices once you sign up to online payments.

81% of customers [say they] spend less time chasing payments using Xero

*Source: survey conducted by Xero of 104 small businesses in the US using Xero, May-June 2024

Start accepting online payments in minutes

It’s easy to set up online payments in Xero.

Connect a payment service to online invoices in Xero for free
No subscription costs
Only pay a transaction fee when customers pay online, then choose to pass on some or all of the fee to them

Add online payments to your invoices

A business owner uses Xero as their payment gateway provider to accept online payments, including credit card processing.

Give customers easy ways to pay

Give your customers a choice of payment methods. By adding online payment options to Xero invoices, your business can accept payments by card, direct debit, and more.

Accept online payments by credit and debit cards, digital wallets and Klarna using Stripe (may vary by region)
Accept payments by direct debit with GoCardless (may vary by region)
Other payment processing options are available

Add online payments to your invoices

Xero accepts credit card, debit card, and direct debit payments online.

Add click-to-pay to online invoices

Boost the image of your business with professional looking invoices that offer secure online payment options.

Set up and personalize invoice templates with your logo, a custom message, and a pay now button
Let customers click to pay straight from the invoice, reducing the steps to pay, the likelihood of mistakes, and time spent chasing payments
Send professional, friendly reminders to customers for upcoming or overdue invoices

Add online payments to your invoices

A Xero invoice displays on a phone and a laptop with a prominent pay now button for accepting online payments.

Accept payments while staying protected from fraud

Xero online invoices and online payments give you more protection from fraud.

Payment services that connect to Xero have robust security protections and strong encryption
Unlike PDFs, online invoices are hard to tamper with
Xero protects your data with multiple layers of security

Add online payments to your invoices

A login screen with a padlock symbolising how Xero is a secure online payment solution for small businesses.

Why businesses love Xero online payments

We all want the same thing: fast, frictionless ways to pay and get paid. Here’s how Xero’s online payment solutions can help.

Less time chasing payments

Fewer obstacles in the payment process mean less chance you’ll need to chase your customers.

Happy customers

Save people time and chances are they’ll come back for more.

Ready to scale

Going global? No problem! Our online payment services ease cross-border payments, so you reach new markets.

Accounting software for your small business

Run your business accounting online with Xero. It's easy-to-use accounting software, designed for your small business.

Everything in one place
Connect to your bank
Collaborate in real time
Customize to suit your needs

Explore accounting software

A chart of income and expenses displays in Xero’s online accounting software on a tablet.

Xero allows me to do what I love doing, which is creating

A person sewing next to full racks of garments — Xero makes Orenda Tribe run seamlessly

FAQs about accepting payments

: Use online payments so your business can automatically accept payments from customers. For example, you can use GoCardless to automatically take direct debits or bank-to-bank payments from a customer on each due date, or use Stripe to take payments via credit card, debit card, Apple Pay or Google Pay. (Note that GoCardless and Stripe are not available in some countries.)
See how to add a payment service
Use online payments so your business can automatically accept payments from customers. For example, you can use GoCardless to automatically take direct debits or bank-to-bank payments from a customer on each due date, or use Stripe to take payments via credit card, debit card, Apple Pay or Google Pay. (Note that GoCardless and Stripe are not available in some countries.)
See how to add a payment service
: Stripe helps customers pay online in many ways, like credit and debit cards, digital wallets, and buy now, pay later options. Stripe also lets you accept multiple payment types with a single signup, and feeds the transactions to Xero for you to reconcile them.
Learn more about accepting online payments with Stripe and Xero
Stripe helps customers pay online in many ways, like credit and debit cards, digital wallets, and buy now, pay later options. Stripe also lets you accept multiple payment types with a single signup, and feeds the transactions to Xero for you to reconcile them.
Learn more about accepting online payments with Stripe and Xero
: The link below has step-by-step instructions for setting up Stripe. You can then accept payments by multiple methods, including credit and debit cards, Apple Pay and Google Pay, and buy now, pay later options.
See how to add Stripe as a payment service
The link below has step-by-step instructions for setting up Stripe. You can then accept payments by multiple methods, including credit and debit cards, Apple Pay and Google Pay, and buy now, pay later options.
See how to add Stripe as a payment service
: Minimize late payments by automatically debiting your customer’s bank account on the due date of your Xero invoice. GoCardless integrates with Xero, so scheduling and reconciling payments is easy.
Learn more about accepting payments with GoCardless and Xero
Minimize late payments by automatically debiting your customer’s bank account on the due date of your Xero invoice. GoCardless integrates with Xero, so scheduling and reconciling payments is easy.
Learn more about accepting payments with GoCardless and Xero
: Click the link below for step-by-step instructions on how to set up GoCardless payments. Customers can then pay your online invoices by direct debit.
See how to add GoCardless as a payment service
Click the link below for step-by-step instructions on how to set up GoCardless payments. Customers can then pay your online invoices by direct debit.
See how to add GoCardless as a payment service
: Use a payment service provider to accept card payments. Stripe, for example, is a leading provider that works with Xero. When you sign up to Stripe, a pay now button is added to your invoices and customers can choose a payment method.
Use a payment service provider to accept card payments. Stripe, for example, is a leading provider that works with Xero. When you sign up to Stripe, a pay now button is added to your invoices and customers can choose a payment method.
: When your customer receives a Xero invoice, they can pay according to the payment methods you've enabled. Xero then sends payment information via an online payment gateway to their bank, which checks their identity and available funds before payment.
When your customer receives a Xero invoice, they can pay according to the payment methods you've enabled. Xero then sends payment information via an online payment gateway to their bank, which checks their identity and available funds before payment.