Accelerate your cash flow by adding Credit Card, BPAY, PayID, PayTo, and Direct Debit payments directly to your Xero invoices. Eliminate manual data entry with live, automated invoice matching and real-time reconciliation.
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June 2026Key functions
Ecommerce
PaymentsOverview
Give your customers the freedom to pay how they want while completely eliminating your manual bookkeeping burden. PayAdvantage bridges the gap between getting paid and keeping your accounts up to date, specifically built for the Australian business landscape.
Key Features & Benefits
- Slash Processing Fees: Lower your payment costs dramatically by giving clients the ability to pay instantly using bank-to-bank methods like PayID.
- Automated Recurring Billing: Stop chasing late invoices. Easily convert one-off invoices into automated recurring direct debits or subscriptions on a schedule that fits your cash flow.
- Payment Reminders: Cut down on late payments with SMS and email reminders that link directly to the invoice, ensuring you get paid faster without manual chasing.
- Digital Agreements & Terms: Seamlessly combine your terms of trade and payment authorizations into a single digital document so customers only sign once.
- 100% Australian Support: No script readers or bots. Gain instant access to our local, expert support team over the phone, live chat, or email from Day One.

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PayAdvantage + Xero
The PayAdvantage and Xero integration creates a two-way automation ecosystem that removes the friction from your accounts receivable workflows.
- Instant "Pay Now" Functionality: PayAdvantage automatically places a secure 'Pay Now' button right on your Xero invoices so customers can pay instantly. When a customer opens an invoice, they can pay immediately via card or bank.
- Bi-Directional Contact Sync: Keep your customer database clean. PayAdvantage securely synchronises and merges your customer and contact lists with Xero, eliminating double data entry.
- Real-Time Invoice Matching: The moment a payment clears, PayAdvantage communicates instantly with Xero to mark the corresponding invoice as "Paid"—keeping your cash flow records accurate in real-time and preventing you from accidentally chasing clients who have already paid.
- Trust Accounting: Seamlessly route client funds to your trust account while automatically isolating merchant fees to your operating account.
Pricing plans
*All prices are exclusive of tax
Zero Cost
A feature-packed payment solution without the ongoing cost.
Free
- No setup fees. No lock-in
- Competitive transaction rates, listed on our website.
Enterprise
Specialized payment solutions with dedicated support.
Volume Pricing
- Everything in Zero Cost, plus...
- Custom rates based on your volume
- Dedicated account manager
- Priority technical support
- Dedicated Slack channel for your team
- Industry-specific payment solutions
- Advanced reporting and analytics
- White-label payment experiences
- Customizable payment email notifications
Pricing is provided by app partners. Pricing is correct at time of publishing.
Getting started
Ready to streamline your invoicing? Follow these simple steps to connect PayAdvantage to Xero:
- Sign Up or Log In: Log in to your PayAdvantage account (or sign up online in minutes).
- Connect to Xero: Navigate to the Integrations tab, click "Connect to Xero", and you will be prompted to select your desired Xero organisation.
- Configure Your Accounts: Map your preferred Xero Chart of Accounts for recording customer payments and tracking processing expense fees. For more advice, use the Getting Started Link.
- Apply to Invoices: Select the Xero Branding Themes where you want to display the "Pay Now" button.
- Complete: Your invoices will now automatically feature secure payment links with multiple payment options available.
Need a hand? Our locally-based Australian onboarding specialists provide guided setup right from Day One to ensure your integration is running perfectly alongside your accountant or bookkeeper.
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Additional info
Shared data
Xero
PayAdvantage
Contactsshared from Xero to PayAdvantage and from PayAdvantage to Xero
Prepaymentsshared from PayAdvantage to Xero
Paymentsshared from PayAdvantage to Xero
Invoicesshared from Xero to PayAdvantage
Functions
EcommercePaymentsIndustries
Professional servicesConstruction and tradesAccountingApp details
By PayAdvantage
Added in 2026Countries
AustraliaLanguages
EnglishSupport
Setup walkthroughContact supportsupport@payadvantage.comContact
1300 641 310Get started with PayAdvantage
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