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Stripe makes it easy to accept debit and credit card payments for online invoices sent from Xero.

Get paid up to 14 days faster, and reconcile payments easily, when you use Stripe in Xero. You can also set recurring payments for repeat customers with auto pay in Xero.

Millions of businesses — ranging from startups to Fortune 500 companies—rely on Stripe’s tools to securely accept payments. Stripe offers fraud protection tools powered by advanced machine learning algorithms to help you detect and prevent fraud.

Explore all features of Stripe
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Stripe + Xero

Easy set up To set up Stripe and collect payments on invoices, connect from the invoicing screen in Xero, or payment service setting in the general Xero settings section.

If you use Stripe outside of Xero invoices but would like to reconcile Stripe payments, such as payments from an online store or CRM tool, you can connect the Stripe bank feed.

Stripe processes all transactions for you, then pays out to your chosen bank account. Once your Stripe account is integrated with Xero, you can accept payments immediately.

Secure for your customers and for you Stripe is PCI DSS Level 1 certified. Your customer’s information is tokenized so you never need to see or store sensitive information. Stripe also supports PSD2 regulations in Europe and is Strong Customer Authentication (SCA) compliant. Stripe scans every transaction to dynamically trigger additional authentication only when required.

Easy Reconciliation When a Stripe payout comes in through your bank feed, Xero will do the matching work for you. All the transactions in Xero tied to the Stripe statement line will be automatically matched against it. Say goodbye to tracking down a ton of payments and fees included in a daily, weekly or monthly Stripe payout.

Payout times

When a payment is first received, it is initially reflected as a pending balance, less any fees. This balance becomes available according to your payout schedule. Funds are transferred to your bank account on a rolling basis. It is important to know that due to financial regulations there is a mandatory 7-10 day period to receive your first payment from Stripe. After that, you can set the frequency of the payouts in the Balance tab of your Stripe dashboard and view all payouts from Stripe to your bank account.

New Zealand4 business days
Australia2 business days (except businesses in higher-risk industries*)
United Kingdom7 business days**
United States2 business days (except businesses in higher-risk industries*)

See the payment schedules for your country here.

*If your business operates in a higher-risk industry, this schedule may not be immediately available. We require a short period to monitor your business activity before it can be enabled, in which case a 7 calendar day schedule would apply instead. This delay protects your business, customers, and Stripe from the increased risk of fraudulent activity.

** In some markets, it may be possible for your funds to be available sooner than the standard schedule. Eligibility for accelerated payout timing depends on your history with Stripe and the industry in which your business operates. To change to an accelerated payout plan or back to the market default, visit your account’s payout settings in the Stripe Dashboard. When selected, an accelerated plan applies to all future charges.

Reviews & ratings

130 Reviews
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1 star
Mark Molen

Poor service - High Fees

The service is horrible and the fees are very high. They do not compromise on either. Live with it. Period. Find another supplier. This is a tech giant out to mess with the US and world.
Coraleigh Parker

Slow and expensive

Do not recommend- super high fees and hold your money for days. Not a fair service. Practically robbery.
Scott Riley
Very easy to implement - up in 30 minutes. As others have said you will have to wait 7 days for payment and you don't get notifications when payments made. These are the only two drawbacks I can see. If you are an ecommerce site it is great when using with Xero accounts. When you reconcile Stripe payments in Xero it auto matches sales invoices with Stripe payments. We use the hosted page in Stripe so you can take all manner of payment types including Apple Pay etc. The fees are 1.4% + 20p which is way cheaper than doing it with Apple direct. For an extra fee of 0.4% you can be covered against any fraudulent transactions too and not have to provide any evidence.
Additional info

App details

By Xero
Added in 2015


Australia, Canada, Global, Hong Kong, Indonesia, Ireland, Malaysia, New Zealand, Philippines, Singapore, United Kingdom, United States




Setup walkthroughIntegration walkthrough



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