Xero Payments logo
traditional Wellington, New Zealand

Xero Payments

Payment processing integrated into Xero accounting software with Stripe-powered card acceptance and GoCardless direct debit.

Fees from
1.5% - 2.9% per transaction
Settlement
2–3 business days
Coverage
4 countries
Payment methods
5
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Xero Payments before signing. Visit Website is an external link; we may earn a commission.

Xero Payments overview

Best for

Xero Accounting Payments

Key features

Recurring Payments

Xero Payments pricing & fees

Pricing structure

Pricing
1.5% - 2.9% per transaction
Your business must be registered in
Not disclosed
Headquarters
Wellington, New Zealand
Founded
2006

See how Xero Payments's fees stack up

Compare pricing side by side with similar providers.

Compare fees

Xero Payments settlement & payouts

Payouts

Settlement time
2–3 business days
Settlement currencies
Not collected yet

Xero Payments API & integration

API Profile

Sandbox
Available
Webhooks
Supported

Platforms

Online

Official SDKs

JAVANodePHPPYTHONRUBY

Xero Payments coverage & payment methods

Regions

EuropeNorth AmericaOceania

Supported countries

4 countries
AUGBNZUS

Payment methods

Apple PayCredit CardDebit CardDirect DebitGoogle Pay

Xero Payments licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Xero (UK) Limited

United Kingdom

Licenses

License GB

FCA Registered Account Information Service Provider (UK)

Financial Conduct Authority (UK)

Licensed entity · regulatorily responsible

Xero Denmark A/S

Denmark

Licenses

License DK

Account Information Service Provider (DK)

Danish Financial Supervisory Authority

License numbers & register records

2 license numbers · 2 register records on file for Xero Payments, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

Log in — it's free

Using ChatGPT or Claude? Ask it to prepare your application to Xero Payments. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

Not sure Xero Payments is the right fit?

Answer a few quick questions and get matched with providers that fit your business — free.