Pinch is a payments automation platform offering direct debit and credit/debit card for standard and repeating invoices. We offer best of breed automated reconciliation with Xero and a number of other clever features making Pinch a crowd favourite with busy Australian businesses.


    Pinch’s secret sauce is our ability to automatically reconcile your Xero account with your payments, instantly reducing hours of regular admin work once installed.

    Pinch offers direct debit pre-approvals, batch payments, instalment payments, payment plans, recurring payments and automated reminders that let you put your customer payments on autopilot.

    The result? Improved crucial cash flow while saving additional time and providing a great customer experience.

    Where Pinch really excels is for businesses that have irregular payment cycles, variable invoice amounts, recurring invoices, and a high volume of invoices for smaller amounts.

    Pinch charges 30c/transaction plus 1% for direct debit from a bank account (capped at $5) and 1.95% for credit and debit cards. Because you can pass the transaction fees on to your customers, we suggest smaller invoice amounts to avoid sticker shock for your customers.

    There are no setup, minimum, or monthly fees.

    Explore all features of Pinch Payments
    Pinch Payments
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    Pinch Payments + Xero

    Reduce the amount of time you spend on admin with auto reconciliation between Xero and your bank account.

    When it’s easy for customers to pay you, they will! Making payments simple for your customers is one of the best ways to boost your cash flow.

    Allow your customers to set pre-approval thresholds for smaller, frequent payments via any invoice issued by Xero.

    Accept one-off credit card and direct debit payments online. Take one-off payments straight from the invoice using pay now.

    Get paid on the invoice due date! Set up regular automatic payments like subscriptions.

    We can collect any ad-hoc invoice amount automatically. Set thresholds to debit smaller amounts while leaving large amounts alone.

    Break down large invoices into a series of smaller payments, all tracked on one invoice.

    Recover aged invoices by showing all outstanding invoices available on the pay now page. The customer can pay all invoices at once in one payment.

    If you are currently absorbing Xero fees on behalf of your clients, you can flip the switch and automatically on-charge transaction fees using our on-charge service.

    Reviews & ratings

    4.8 out of 5 stars
    54 Reviews
    5 star(91%)
    4 star(4%)
    3 star(0%)
    2 star(2%)
    1 star(4%)
    Brad Papworth
    5 out of 5 stars

    Seamless automation with Xero

    I'd used several other products for a number of years but Pinch's seamless automation with Xero has removed a manual process; once an invoice is generated Pinch automatically looks for those due and pays them. The Pinch website is user-friendly and packed with features. I particularly love that I can send customers an email from Pinch requesting credit card details which are securely stored for future processing and the customer is in control of updating details.
    Enrika Grogan
    5 out of 5 stars

    Super straight forward

    Pinch has made my automatic invoicing easy to manage & it works really well. I found their support really helpful too. Would recommend.
    Trayde Mackenzie
    5 out of 5 stars

    That easy you will pinch yourself

    Setting up Pinch makes everything easier not only for you and your bookkeeper but more importantly your customers. My only feedback was that they could make it easier to find information in the system but if everything runs smoothly then this isn't a problem.

    Additional info

    Shared data

    Pinch Payments
    Payment Servicesshared from Xero to Pinch Payments and from Pinch Payments to Xero
    Invoicesshared from Xero to Pinch Payments and from Pinch Payments to Xero
    Contactsshared from Xero to Pinch Payments and from Pinch Payments to Xero
    Branding Themesshared from Xero to Pinch Payments
    Bank Transactionsshared from Pinch Payments to Xero
    Accountsshared from Xero to Pinch Payments and from Pinch Payments to Xero

    App details

    Added in 2017


    Australia, New Zealand




    Setup walkthroughContact


    Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.