Automatically collect Xero invoice payments

Collect and reconcile payments automatically for any Xero invoice, whether recurring or ad hoc.

"We strongly advise our Xero clients to use GoCardless. It's quick to set up, improves cashflow and admin is reduced to almost nothing due to the automatic reconciliation."

Peter Czapp

Peter Czapp, Co-Founder & Director,, The Wow Company, Accountancy Firm

GoCardless is trusted by over 40,000 businesses – big and small

No more chasing payments

GoCardless users spend 84% less time chasing unpaid invoices.

Save time on admin

GoCardless users spend 76% less time reconciling payments.

Your cash flow sorted

82% of GoCardless users have improved their business cash flow. payments.

1% per transaction, capped at $4

No setup costs, no hidden fees. There’s a minimum fee of $0.40, and the most you’ll be charged for any transaction is just $4.

Get started for free

How it works


Invite your Xero customers to setup Pre-Authorized Debit

To start collecting payments, your customer will need to complete an online Pre-Authorized Debit (PAD) form. We offer simple ways to invite new and existing Xero customers by link or editable email.

  • Option to automatically invite new customers
  • Add a 'Pay now' button to your invoices

Your customer completes a one-time PAD form

You’ll be giving customers an easy, one-time set up for all future payments, by asking them to complete a PAD form. This gives you permission to collect money from their bank account.

  • Quick online set-up
  • Payment page branded with your logo

Collect payments automatically or manually for any Xero invoice

Each time you create an invoice in Xero you can collect the payment automatically by PAD on the invoice due date. Alternatively, you can manually collect payments for specific customers or by Xero branding themes. 

  • Collect payments for one-off or repeating invoices
  • Collect variable or fixed amounts
  • Supports Canadian, Australian, New Zealand and US Dollars, Euros and Pounds

Your customer will be notified before every payment is collected

Now that a PAD is in place with your customer, GoCardless will email your customers in advance before every payment is collected.

  • No action required from your customer
  • Payments protected by ACSS rules.

Payments will be automatically reconciled in Xero

Once you’ve received a payment, the relevant invoice(s) will be marked as paid with the GoCardless fee posted as an expense automatically.

  • Notifications for failed payments
  • Notifications for cancelled PADs

Benefits for your customers

  • Quick one-time set up They complete an online form to authorise payments, and will be notified before every payment is collected.
  • Saves time and effort No more having to remember when a payment is due, trips to the bank or updating expired card details.
  • Safety and security guaranteed Your customer’s payments are fully secure through GoCardless and protected by ACSS rules.

Frequently asked questions

My invoice amounts vary, can I use this?

Yes, GoCardless allows you to collect payments of variable amounts for one-off, ad-hoc or repeating invoices. In the UK the minimum amount for a single transaction is £1 and the maximum is £5000. We may be able to increase this limit with additional verification checks.

What control do I have over my branding?

GoCardless allows you to brand the online PAD forms and notifications that your customers will see.

How long do payments take?

Once your customer is charged, the time needed to transfer the money to your account depends on what area your customer is located in. For the UK, the time it takes from your customer being charged to having the money in your account is 2 working days.

How secure is GoCardless?

GoCardless is ISO27001 certified for information security management meaning security protocols across our business, services and products have been audited and certified with this widely recognised international standard. GoCardless is authorised by the Financial Conduct Authority.

What happens if a payment fails?

If a payment fails GoCardless will notify you via email. You then have the option to login and manually request we take the payment again. 

Why should my customers want to use PAD?

PAD is a one time customer set-up, then they can pay you on an ongoing basis without needing to lift a finger - saving them time and effort. They’ll be notified before every payment, and payments are protected by ACSS rules.

Ready to get started?

Contact us

Contact sales +44 20 8338 9537


Seen 'GoCardless LTD' on your bank statement? Learn more

GoCardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom

GoCardless (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services.