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Improve your cash flow

Improving cash flow is about getting efficient in the areas of your business that impact it most. From getting paid faster to optimising your inventory, using solutions to streamline your cash in and control any going out makes for stress-free finances.
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Apps to get your invoices paid faster

Add payment solutions to your Xero invoices to accept everything from Apple Pay to bank transfers. Let customers pay the way they want, increase the likelihood of getting paid on time and reduce time spent chasing payments with apps that do it for you.
Explore payment apps

  1. Stripe

    2.47 out of 5 stars
     383
    Stripe makes it easy to accept payments from debit cards, credit cards, Apple Pay, and Google Pay for online invoices sent from Xero—so you can get paid faster.

  2. GoCardless

    3.42 out of 5 stars
     200
    End late payments. Automatically debit your customer’s bank account whenever your Xero invoices are due. Lower-cost alternative to card payments.

  3. Paidnice

    5 out of 5 stars
     83
    Get paid on your terms with credit control AI. 🏆 Xero App of the Year 2025 Global & 2026 NZ. $1bn collected on time. Automate receivables & end manual chasing: late fees & interest, reminders from your own domain, statements, payment plans & escalations, tailored to every customer.

  4. Chaser

    4.98 out of 5 stars
     374
    Automate receivables. Forecast cash flow. Grow with confidence. Improve visibility over accounts receivable and cash flow. Streamline your process and save hours. Reduce DSO and maintain great customer relationships. Xero App Partner of the Year 2023.

Cash tip: Help your customers pay you

Consider your customer type and how they’ll most likely want to pay, and choose your payment app stack accordingly. What's right for an invoicing business may be quite different than if you take your payments on-site or online.

No matter how you get paid - give your customers more ways to pay you and look for solutions that offer a variety of secure payment options and have automated features for receipts and reminders, plus work together with your Xero account.

Apps for streamlined sales

When your sales rely on a checkout process, it's important to make it secure and seamless. Point of sale apps simplify and streamline your sales operations and sync your sales straight into your Xero account.
Explore POS apps

  1. Square

    4.19 out of 5 stars
     107
    Square helps sellers of all sizes start, run, and grow their business. Take payments any way you want. Whether online or in-person, get paid quickly and securely with a variety of hardware and software to process credit cards, Apple Pay, and Android Pay, including touch-free options.

  2. Lightspeed Retail POS (X-Series)

    3.92 out of 5 stars
     127
    Lightspeed Retail POS & Payments platform powers the world’s best retail businesses. Grow in-store and online sales, increase profits and automate tedious processes with Lightspeed's multi-outlet POS and POS platform. Connect Lightspeed with Xero and let us take care of the accounting for you!

  3. Bustle

    4.86 out of 5 stars
     45
    Bustle is the POS and hospitality management system built for independent cafés, restaurants and bars. From faster service and smarter staffing to stock control, menu costing and real-time profitability insights, Bustle helps you run a better business. Connect with Xero to simplify accounting.

Apps that simplify stock control

Don’t let over or under stocking impact your cash flow. Inventory management apps ensure you keep your supply and demand aligned, making your merchandise operations effortlessly cost-efficient.
Explore inventory management apps

  1. Unleashed Software

    4.55 out of 5 stars
     394
    Inventory management that’s perfect for manufacturers, wholesalers, retailers and distributors everywhere. Thousands of product businesses in more than 80 countries rely on Unleashed every day.

  2. Cin7 Core

    4.47 out of 5 stars
     221
    Cin7 Core is the #1 choice for businesses that want to manage all products, customers, suppliers, contacts, purchases and sales in one easy-to-use system. Try now with a 14 day free trial!

  3. Upstock

    5 out of 5 stars
     5
    B2B wholesale ordering designed for food & beverage suppliers. Streamline logistics and payments, and acquire new customers in our marketplace featuring top restaurants, cafes, bars, and supermarkets.

  4. Gojee

    4.94 out of 5 stars
     54
    🏆 2026 Global Small Business App of the Year 🏆 Complete operations layer built natively for Xero. Manage Job costs, Inventory, Time, WIP, Quotes, Leads, Invoices, Payments, Purchasing, Assets + more. Nervous about the switch? Our expert team handles everything and makes go-live fast & friendly.

“Through the integration apps that we use through Xero, it’s just really easy to see everything that’s going on… It’s changed the whole dynamic of our finances and kept the business growing.”

JCG Projects Owner, Johnno Green

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Take the next step to cash flow confidence

You’re on your way! Now that you’re primed to improve your cash flow, find out how to master it all.
More cash flow tips
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Want more cash flow resources?

Learn the fundamentals and access more expert guides and reports to help you maintain healthy cash flow, stay on top of your finances with Xero.
Explore more resources
Money Matters Report cover
Money Matters Report cover
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.