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Fees for online bill payments (powered by Melio)

What fees am I charged?

Free standard ACH bill payments are included in the Xero Early, Growing and Established pricing plans. Included payments apply to standard ACH payments in USD and excludes same day ACH, international or cross border payments. Note: If you’re part of the Xero partner program your accounting practice organization includes free standard ACH payments.

If you use other payment methods, or choose a faster delivery option, you’ll pay the fees set out below.

Please note:

  • All fees are in US dollars and exclude applicable taxes unless otherwise specified.
  • 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 bill payment means each individual bill within a payment batch, e.g. for 7 bills totalling $100 each paid to a vendor (or vendors) by credit card, the total payment fee is $20.30 (2.9% x $700).
  • Each payment is subject to eligibility requirements and limitations. If you don’t see a payment option when making a payment, it is unavailable. All payments scheduled after the cutoff time will start processing on the following business day.

When you pay domestic (USD) bills using a bank account

  • Your supplier receives ACH¹ payments in 3 business days², free
  • Your supplier receives check payment in 5-7 business days², $1.50 fee per bill payment
  • Your supplier receives fast check payment in 3 business days³, $20 fee per bill payment
  • Your supplier receives overnight check payment³, $50 fee per bill payment
  • Your supplier receives instant bank transfer⁴, 1% ($75 max) fee per bill payment
  • Your supplier receives same day ACH transfer³, 1% ($75 max) fee per bill payment
  • Your supplier receives wire transfer in 3 business days⁵, $10 fee per bill payment
  • Your supplier receives same day wire transfer⁵, 1% ($10 min, $75 max) fee per bill payment

When you pay domestic (USD) bills using a credit card

  • Your supplier receives same day ACH transfer³, 2.9% fee per bill payment
  • Your supplier receives check payment in 5-7 business days², 2.9% fee per bill payment
  • Your supplier receives fast check payment in 3 business days⁶, 2.9% + $20 fee per bill payment
  • Your supplier receives overnight check payment⁶, 2.9% + $50 fee per bill payment
  • Your supplier receives instant bank transfer⁴, 2.9% + 1% ($75 max) fee per bill payment
  • Your supplier receives same day wire transfer⁵, 2.9% + $10 fee per bill payment

When you pay international bills (FX)

Pay overseas suppliers in their local currency, available on Xero plans with multi-currency.

When you pay international bills in a foreign currency using a bank account:

  • Your supplier receives payment in 0-4 business days², conversion rates apply

When you pay international bills in a foreign currency using a credit card⁷:

  • Your supplier receives payment in 0-2 business days³, 2.9% fee + conversion rates apply

When you pay cross border (USD) bills

Pay overseas suppliers in USD (no currency conversion), available on all Xero plans with bill payments.

When you pay cross border bills in USD using a bank account:

  • Your supplier receives payment in 4-6 business days², $20 per bill payment
  • Your supplier receives payment in 1-3 business days², 1% ($30 min, $95 max) per bill payment

When you pay cross border bills in USD using a credit card⁷:

  • Your supplier receives payment in 2-3 business days³, 2.9% + $20 fee per bill payment
  • Your supplier receives payment in 1-3 business days³, 2.9% + $30 per bill payment

When and how will I be charged fees?

You’ll be charged the payment fee at the same time you submit your bill payment in Xero, using the same funding method (e.g., bank account or card).

Melio and its international payments providers may include a margin on foreign exchange, which is a platform cost paid by you. A margin is the difference between a wholesale or mid-market exchange rate and the actual exchange rate used to convert the payment. Rates change all the time due to market movements. The conversion rate Melio provides includes conversion and service fees. Each payment’s parameters impact the fee and may vary.

To calculate your fees, you can compare our rate with the mid-market rate, which is the midpoint between the buy and sell prices of a currency. Typically, the exchange rate offered by payment providers is higher due to the markup required to cover associated costs and operations.

Any payment fees are processed by Melio in accordance with Melio’s Terms of Service and Privacy Policy and are in addition to your monthly Xero subscription fee.

Xero’s payments terms apply to your use of online bill payments. As with any other changes to our terms, changes to these fees won’t apply retrospectively and, if we make changes we’ll make every effort to let you know in accordance with our terms of use.

Product disclosure

This is factual information only and is not intended to imply any recommendation or opinion about a financial product. This information doesn’t take into account your objectives, financial situation, or needs.

Need help?

For more information about our online bill payment feature in Xero or our partnership with Melio, check out Xero Central. If you require further support about your pricing or fees, please raise a case and we’ll get back to you as quickly as possible.

¹ Melio may convert ACH transfers to single-use-virtual-card payments in some circumstances (at no additional cost). Find out more.

² If scheduled before 9 p.m. ET. Standard ACH payments over $100k can take up to 4 business days.

³ If scheduled before 2 p.m. ET.⁴ Availability: Mon-Fri, 2 a.m. until 7 p.m. ET

⁵ If scheduled before 6 p.m. ET.

⁶ If scheduled before 12:15 p.m. ET

⁷ If you make an international or cross border payment via card, it can only be made using Visa or Mastercard.