Make It Easy to Get Paid: Accepting Credit Card Payments in Xero
- JH Bookkeeping Solutions
- Apr 29
- 2 min read
Updated: May 21
In today’s fast-paced business world, offering credit card payments isn't just a convenience—it's a smart business move. If you're using Xero for your invoicing, you can start accepting credit card payments directly through your online invoices. It's simple to set up and can significantly improve your cash flow.
Why Offer Credit Card Payments?
Here are a few compelling reasons to enable this feature:
✅ Get Paid Faster
✅ Improve Cash Flow
✅ Make Life Easier for Your Clients
✅ Reduce Admin Time
How to Accept Credit Card Payments in Xero
To start taking card payments through Xero, you'll need to connect a payment service. In Australia, Xero integrates with providers like:
Stripe
PayPal
📌 Set it up here: Xero Central – Set up payment services
Once connected, every invoice can include a “Pay Now” button, allowing clients to pay instantly online. These payments sync directly into Xero for easy reconciliation.
NEW: Accept In-Person Payments with Tap to Pay on Mobile
If you see clients face-to-face or want to take payments on the spot, Xero now offers Tap to Pay via mobile—no extra hardware required. It’s powered by Stripe and works with both Android and iPhone through the Xero Accounting app.
📲 Learn how to set it up:
This is a great option for tradies, consultants, and anyone who invoices on-site and wants to get paid instantly.
A Note on Fees
There are small transaction fees (typically 1.75%–2.5%) depending on the provider. Many businesses find that the faster payments and lower admin costs more than make up for it.
Final Thought: Make Getting Paid Effortless
By offering credit card and mobile payments through Xero, you're removing friction from the payment process—for both you and your clients. Faster payments, better cash flow, and less chasing—what’s not to love?
Need help setting it up or deciding which option suits your business best?
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