# Xero Payments — Payment Provider

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

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Xero Accounting Payments
- **Fees:** 1.5% - 2.9% per transaction
- **Fee range:** 1.5%–2.9%
- **Fee model:** flat-rate
- **Headquarters:** Wellington, New Zealand
- **Founded:** 2006
- **Settlement time:** 2–3 business days
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** traditional
- **Regions:** europe, north-america, oceania
- **Countries served:** 4 (AU, GB, NZ, US)
- **Payment methods:** apple_pay, credit_card, debit_card, direct_debit, google_pay
- **Features:** recurring-payments
- **Platforms:** online
- **SDKs:** java, node, php, python, ruby
- **API docs:** https://developer.xero.com/documentation/api/accounting/invoices

## Legal & compliance

Legal entities:
- Xero (UK) Limited — United Kingdom — licenses: License, GB, FCA
- Xero Denmark A/S — Denmark — licenses: License, DK, Finanstilsynet (DK)

2 license numbers and 2 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/xero-payments#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=xero-payments&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/xero-payments

---
**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)