GoCardless for Xero

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

We're delighted to be Xero's Financial Services App of the Year 2020!

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.

"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

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

How GoCardless works with Xero


Invite customers to pay you through GoCardless

Ask your customer to complete an online Direct Debit mandate so you can collect GoCardless payment directly from their bank account. 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 by Direct Debit' button to your invoices

Your customer completes a one-time Direct Debit form

Your customer completes the online mandate form with their bank details. This gives you authorisation 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

Now, when you bill your customers you can automatically collect payment from them on the invoice due date. The payment amount and when it is collected is determined by your Xero invoice - simple! You can collect manually if you prefer.

  • 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 Direct Debit is in place with your customer, GoCardless will email your customers in advance before every payment is collected.


Automatic reconciliation

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
  • Same day notification of cancelled mandates or failed 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., 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.

GoCardless SAS, 23-25 Avenue Mac-Mahon, Paris, 75017, France

GoCardless SAS, an affiliate of GoCardless Ltd (company registration number 834 422 180, R.C.S. PARIS), is authorised by the ACPR (French Prudential Supervision and Resolution Authority), Bank Code (CIB) 17118, for the provision of payment services.