GoCardless for Xero

Made for recurring payments. Take control of your cash flow with the award-winning ACH Bank Debit integration for Xero.

What GoCardless for Xero can do for your business

Predictable cash flow

Payments are collected automatically, as soon as your invoices are due

Stop chasing payments

Control when you get paid and cut out the stress of debtors

Less bookkeeping

Payments are automatically reconciled against your Xero invoices

See GoCardless in action

Take payment in instalments

Easily split a single Xero invoice into a schedule of smaller instalment payments. It’s perfect if you’d like to spread the cost of your services over time or offer a payment plan for high-value items.

  • Spread your cash flow Be less reliant on large, one-off payments. Benefit from predictable, recurring revenue that is collected automatically.
  • Flexible payment plans Customise the way you split up your invoice into instalments to suit you and your clients.
  • Shrink your admin Your instalments are automatically collected and reconciled when the the invoice balance is complete.

“GoCardless’ ACH solution is exactly what we were looking for. It gives us more control and visibility over payments while making the whole payment experience easier for our customers.”

co-founder, Sunday Beer Co.

Join over 20,000 businesses using GoCardless for Xero to improve their productivity

How GoCardless works with Xero


Invite your Xero customers to setup ACH Debit

To start collecting payments, your customer will need to complete an online ACH authorization 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 ACH authorization form

Your customer completes this online ACH authorization form with their bank details. This gives you permission to collect payment from their bank account without further action from your customer.

  • One time set-up for your customer
  • Payment page branded with your logo
  • All online. No paperwork

Collect payments automatically or manually for any Xero invoice

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

  • Collect variable or fixed amounts
  • Option to collect payment in instalments
  • Collect international payments with built-in FX.

Your customer will be notified before every payment is collected

Now that a ACH Debit 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 NACHA and the Regulation E.

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.

  • No manual bookkeeping
  • Notifications for failed payments
  • Notifications for cancelled ACH Debit payments

Ready to get started?

No setup costs or hidden fees – get your Xero invoices paid

Try GoCardless for Xero

About Xero

Get a real-time view of your cash flow.

Log in anytime, anywhere on your Mac, PC, tablet or phone to get a real-time view of your cash flow. It’s small business accounting software that’s simple, smart and occasionally magical.

Run your business on the go

Use a mobile app to reconcile, send invoices, or create expense claims - from anywhere.

Get paid faster with online invoicing

Send online invoices to your customers - and get updated when they’re opened.

Reconcile in seconds

Xero imports and categorises your latest bank transactions. Just click ok to reconcile.

GoCardless Ltd., 353 Sacramento St 9th Floor, San Francisco, CA 94111, US

GoCardless is regulated by the Financial Conduct Authority in the United Kingdom as an Authorised Payment Institution to collect payments across Europe.