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Pinch Payments

By Pinch Payments
4.75 out of 5 stars
Tired of having to chase your customers to get invoices paid. Automate your business's accounts receivables with Pinch. Xero’s top rated payments app.
out of 5
Reviewed by
Xero users
Listed for
6 years
November 2017
Key functions
Invoicing and jobs


Do you invoice your customers to receive payments? Pinch aims to give you back the time and resources that your business spends invoicing and chasing payments. Spend more time doing important work and less time on accounts administration with Pinch.

No gimmicks necessary. Pinch achieves its goal by giving you all the tools the big businesses use in a package that is easy and intuitive to set up and manage.

With Pinch, your business is able to collect credit card payments, offer direct debit for repeat customers and set up payment plans for customers struggling to pay off their bills. It even gives your customers the option to set up a customer portal, allowing them to manage their own accounts, change details, set up direct debit themselves and download invoices.

Unlike competitors, our direct debit feature allows your customers to automatically pay on a repeat basis using not just bank transfer but credit cards too, and can even work for customers whose invoice amounts change regularly (hello auto-recurring time and materials billing!).

Pinch customers repeatedly tell us that one of their favourite features is our batch payments functionality, which allows you to send one email containing several invoices, and allows your customers the ability to pay off one or several of these invoices at the click of a button.

Best of all, invoices that are paid using Pinch are then automatically reconciled with your accounting system providing a cleaner file. Your accountant will love you come tax time!

Pinch charges 30c/transaction plus 1% for direct debit from a bank account (capped at $5) and 1.95% for credit and debit cards.

There are no setup, minimum, or monthly fees.

Pinch Payments
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Pinch Payments + Xero

There’s a reason that Pinch is the highest rated payments and invoicing app on the Xero App Store. When you add Pinch Payments to your Xero package; invoicing and collecting payment goes from a mind numbing admin task to a simple set of automations. Whether it's just one painful part that's the problem, or you want your entire accounts receivables process automated from end to end, Pinch can assist.

Synchronising Pinch with Xero is easy. Simply create a free account on the Pinch website and follow the prompts to authorise it with Xero. You can connect Pinch with Xero in under 60 seconds. From there upload business verification information for approval and within a couple of business days you can start removing a massive headache.

When you set up your Pinch account it automatically syncs your Xero contact list, no manual data migrations necessary.

Some of our Xero specific features include:

Adding a payment link to your Xero invoices to allow your customers to pay for services with a credit or debit card instead of having to log into their online banking and transfer you cash.

Or better yet...

Auto-sending invoice alerts via email from Pinch when marked as approved in Xero. This is great if you use a separate job tracking system that copies invoices to Xero such as a time tracking system, job management platform or project management system. Our tech support, pool maintenance and home services customers absolutely love this feature as it unlocks the ability to automatically invoice when doing time and materials billing.

From there you can easily send direct debit requests to any of your existing customers that are a bit tardy with payment and get them to pre-approve you for auto payment on your routine invoices. You can even set authorisation limits, so if you have customers that do repeat small jobs but also have larger invoices, you can automatically collect the smaller ones, without shocking them by taking the larger ones.

By using the above two features in tandem, you can make collecting payments on the vast majority of your invoices automatic.

Last but definitely not least; gone is the need to do manual reconciliation because Pinch does it for you! Every payment we process gets automatically reconciled with the corresponding Xero invoices. Yet another routine accounts admin step gone. This cleaner more consistent file will make you your accountant's favourite client.

Reviews & ratings

4.8 out of 5 stars
83 Reviews

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Most recent reviews

Robyn Drew
Posted 20 Jun 2024
5 out of 5 stars

Keeping on top of cash flow

I am please that I discovered Pinch for my payment system. The support is great and setting clients up is so easy.
Teresa Sheehan
Posted 20 Jun 2024
5 out of 5 stars

Getting paid and winning

We started with the Pinch payment system in June 2022 and have not looked back. We now get paid faster and it is so much easier for our clients to pay via the Pinch payment option on our invoices and it means they often pay us either on the due date or the day the invoice is sent out... either way we get paid faster and this is good news for our business and cashflow.
David Blundell
Posted 19 Jun 2024
5 out of 5 stars

Automatic Payments with Xero Made Easy!

Pinch has been a game changer for our business. It integrates very well with Xero. The best feature for us (and when we started using Pinch, this was something that we couldn't find elsewhere), is that when a customer has a payment authorisation in place, it takes the payment on the invoice due date that is recorded in Xero. No messing around programming in direct debit schedules, and trying to work with fixed schedules that don't match our invoice timing. Another couple of features that are useful for us is we can send links to customers to enter/update their own details for payment authorisations, and that the Pay Now page from the Xero email prompts the customer to save their details for an authorisation to automate future payments if they want to. They have great tech support, were helpful setting us up, and they are straight onto anything we have had to get in touch with them about. One things that has been a little weird is the way it calculates the card surcharge passed on to the customer, as it's not just a straight percentage. It takes into account the surcharge on the surcharge that is added to the total as well if that makes sense. That is a bit hard to explain to customers on the rare occasion it comes up. We would also love it if the card percentage was a little lower, but you need to factor in the service/features that are provided when comparing to other card processing/direct debit providers.

Response from Pinch Payments

Thanks for the feedback David. Appreciate your continued business and taking the time to give such thoughtful feedback.

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


Invoicing and jobsPayments


Construction and tradesProfessional servicesAccounting

App details

By Pinch Payments
Added in 2017


Australia, Canada, New Zealand, United States




Setup walkthroughContact



Get started with Pinch Payments

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.