Overview
Marmalade are solving the problem of unpaid invoices.
Unpaid invoices are the root cause of cash flow issues. Credit terms are offered based on trust with no control over payments. Offering credit terms to customers is hard. When that strain becomes too much, businesses often take on a loan. Loans don’t solve the root cause of the problem - unpaid invoices.
What Marmalade does:
Helps Xero customers access the money they’ve already earned
Only pay a low one-time fixed fee when an invoice is paid early
No repayments, no interest, no personal guarantees and no risk
Absorbs the risk of non-payment, no clawbacks and no balance to repay
Built from the ground up to serve the business owner, with seamless Xero integration and automated A/R tools
Real impact for Xero customers:
65K invoices were cashed in and paid early by Marmalade in FY25
$1.4B payments have been processed by Marmalade
32.4K businesses trust Marmalade to process their invoice payments
+24% growth experienced by SMBs in their first year with Marmalade
15 days faster payment on each invoice
5 hours per week saved by automated admin
7 days on avg longer credit terms offered, helping Xero customers stay competitive and win more business
9+ verticals are supported by Marmalade’s SMB-first solutions & service
Why Xero customers choose Marmalade:
It solves the real problem - unpaid invoices
It gives them access to money they’ve already earned
There’s no debt, no interest and no risk
It’s flexible, no lock-in contract, no required minimums
It’s purpose-built for business owners
Marmalade + Xero
Marmalade connects seamlessly with Xero to simplify accounts receivable, automate follow-up and give you the option to get invoices paid early.
Here’s how the integration works:
New payment details When you sign up to Payments-on-Demand, new payment details are created for you in your business's name. When your customer pays via bank transfer, the payment is automatically transferred to your business transaction account in real time using OSKO at no additional cost.
Automatic reconciliation Payments are automatically reconciled into Xero. All you'll need to do is match the payment amount in your bank feed with the payment Marmalade has applied to the invoice.
Branded monthly customer statements Payments-on-Demand sends monthly statements on your behalf, using your branding. These statements remind which invoices are overdue, due this month or not yet due.
End-to-end collections If customers don’t pay within 30 days of the due date, Marmalade will handle the collections process on your behalf. We respectfully handle these tough conversations for you and provide full transparency of all communications.
Built for Xero customers Instant OSKO payments and clean reconciliation
Streamlined AR workflows, with no manual follow-up
Easy setup and full visibility from invoice to payment
Marmalade was designed to work hand-in-hand with Xero, so you can reduce admin, improve cash flow and stay in control without changing how you invoice today.
Getting started
You can use Marmalade with Xero if your business has an annual revenue of more than $100,000 and you’re comfortable updating the payment details on your invoices.
Most customers receive an outcome in under 10 minutes, with no upfront cost or obligation to continue.
Follow these steps to get started:
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Connect Xero to view early payment pricing. Receive an immediate decision, with zero cost or obligation to continue. Explore your invoices and see what you can access today.
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Sign your agreement and verify your business identity. The sign up process is fast, secure and fully automated. You’ll be ready to go in just a few steps.
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Update your invoice payment details. Issue new and reissue existing invoices with your updated payment details.
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Choose which invoices you want to get paid early. Select individual invoices that you want paid early. You stay in control of your cash flow, without chasing payments.
Need help? Our team is here to support you with:
Live onboarding support
Access to help articles and FAQs
Support via phone or email
No lock-ins. No required usage. Just a faster, simpler way to take control of your cash flow.
Reviews & ratings
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Terrible and incompetent service
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Amazing solution for all businesses!
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Great Product and Great Support
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