Accept online payments and give customers more ways to pay

Accept online payments by credit card, debit card or direct debit straight from your Xero invoice. Let customers pay the way they want to increase the likelihood of getting paid on time, and reduce the time spent chasing payments.

An invoice with a pay now button and the logos of Visa, MasterCard, American Express and Google Pay shown as payment options.

Free one time set-up, get started in minutes

Set up payment services for free. When customers make payments, you can pass the transaction fee on to them.

Give customers multiple ways to pay

Make your business look professional by accepting invoice payments online from leading payment services.

Add click-to-pay to online invoices

Add a pay now button so it’s easier for customers to pay you. Fewer steps, fewer mistakes, less chasing up.

Payments are protected against fraud

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

See how online payments give customers more ways to pay and help you get paid faster

Get paid now? Yes please.

Free one time set-up, get started in minutes

It’s fast and easy to set up payment services in Xero so your United States business can receive payments online.

  • Included
    Connect a payment service to online invoices in Xero for free, with no monthly subscription costs
  • Included
    Only pay a transaction fee when your customer uses online payments, or choose to pass some or all of the fee on to them
A business owner sets up a payment service in Xero to start accepting online payments.

Give customers multiple ways to pay

Offer your customers a choice of payment methods: by adding online payment options to your Xero invoices, your US business can accept payments by card or direct debits.

  • Included
    Accept online payments by debit card, credit card, Apple Pay or Google Pay using Stripe
  • Included
    Take payments by ACH direct debit with GoCardless
  • Included
    Other payment processing options are also available
A message saying ’Invoice paid’ displays on a phone, confirming that an online payment has been accepted.

Add click-to-pay to online invoices

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

  • Included
    Set up and personalize invoice templates with your logo, a custom message, and a pay now button
  • Included
    Let customers click to pay straight from the invoice, reducing the steps to pay, the likelihood of mistakes, and time spent chasing payments
  • Included
    Send professional, friendly reminders to customers for upcoming or overdue invoices
A Xero invoice displays on a phone and a laptop with a prominent pay now button for accepting online payments.

Payments are protected against fraud

Xero online invoices and online payments provide more secure protection from fraudulent activity.

  • Included
    Payment services that connect to Xero have robust security protections and strong encryption
  • Included
    Unlike PDFs, online invoices are hard to tamper with
  • Included
    Data in Xero is protected by multiple layers of security
A Xero login screen with a padlock beside it.

More about accepting online payments

Use online payments so your United States business can automatically accept payments online from repeat customers. For example, automatically take direct debits or bank-to-bank payments from your customer on the due date using GoCardless.

See how to add a payment service

Use online payments so your United States business can automatically accept payments online from repeat customers. For example, automatically take direct debits or bank-to-bank payments from your customer on the due date using GoCardless.

See how to add a payment service

Stripe makes it easy for customers to pay your invoices with online payment methods including debit card, credit card, or digital wallets like Apple Pay and Google Pay. Stripe is a leading global online payment service that can be used to accept one-off or repeat payments, and feeds transactions into Xero for easy reconciliation.

Learn more about accepting online payments with Stripe and Xero

Stripe makes it easy for customers to pay your invoices with online payment methods including debit card, credit card, or digital wallets like Apple Pay and Google Pay. Stripe is a leading global online payment service that can be used to accept one-off or repeat payments, and feeds transactions into Xero for easy reconciliation.

Learn more about accepting online payments with Stripe and Xero

Get step-by-step instructions for setting up Stripe payments so customers can pay your online invoices with online payment methods including debit card, credit card, Apple Pay or Google Pay.

See how to add Stripe as a payment service

Get step-by-step instructions for setting up Stripe payments so customers can pay your online invoices with online payment methods including debit card, credit card, Apple Pay or Google Pay.

See how to add Stripe as a payment service

Minimize late payments by automatically debiting your customer’s bank account whenever your Xero invoices are due. Your United States business can use GoCardless to accept recurring online payments by ACH direct debit. It’s integrated with Xero so scheduling and reconciling payment is a breeze.

Learn more about accepting online payments with GoCardless and Xero

Minimize late payments by automatically debiting your customer’s bank account whenever your Xero invoices are due. Your United States business can use GoCardless to accept recurring online payments by ACH direct debit. It’s integrated with Xero so scheduling and reconciling payment is a breeze.

Learn more about accepting online payments with GoCardless and Xero

Get step-by-step instructions for setting up GoCardless payments so customers can pay your online invoices by ACH debit.

See how to add GoCardless as a payment service

Get step-by-step instructions for setting up GoCardless payments so customers can pay your online invoices by ACH debit.

See how to add GoCardless as a payment service

Start using Xero for free

Access Xero features for 30 days, then decide which plan best suits your business.

  • Included
    Safe and secure
  • Included
    Cancel any time
  • Included
    24/7 online support

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

Xero makes Orenda Tribe run seamlessly

A person sewing next to full racks of garments