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End late payments. Automatically debit your customer’s bank account whenever your Xero invoices are due. Lower-cost alternative to card payments.

Collecting regular payments like invoices and subscriptions can be painful - but it doesn’t need to be. GoCardless is made for recurring payments and puts you in control of when you get paid. Join over 60,000 businesses worldwide and say goodbye to chasing late payments, hidden costs and manual admin.

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GoCardless + Xero

Get paid faster with GoCardless for Xero

  • End late payments Take control when you get paid and cut out the stress of chasing unpaid bills.

  • Predictable cash flow Payments are collected automatically as soon as your invoices are due.

  • Less bookkeeping Payments are automatically reconciled against your Xero invoices, saving you hours on admin.

  • Transparent fees Low, pay-per-transaction fee. Avoid the markups and hidden fees of card networks. Low cost cap on domestic payment fees.

  • International payments Collect payments in international currency, receive payout in your home currency with no mark-up on foreign exchange. See the pricing page for details.

Who is it for?

GoCardless is made for businesses that bill their customers on a recurring basis. It’s ideal for collecting payment for both intermittent and repeating invoices as well as subscriptions, retainers and instalments.

How does GoCardless work?

GoCardless is a bank-to-bank payment method. It uses Direct Debit, ACH and PAD to automatically collect payments directly from your customer’s bank account.

Your customers only need to enter their payments details once, and that’s it. You’re authorised to collect all future payments without further action from your customer.

The amount you charge and when you charge can be fixed or flexible. In fact, it’s linked to the amount and due date on the Xero invoice you’ve sent your customer. Payments happen frictionlessly in the background.

How does it work with Xero?

Simple setup You can create an account from this page or directly within Xero. Once connected to Xero, it’s simple and secure to set your customers up to pay via GoCardless. Then, just send out your invoices and GoCardless can automatically collect payment when they are due.

One-click reconciliation Once invoice payment has been collected via GoCardless, the invoice is marked as ‘paid’ and an expense transaction is added for the GoCardless fee. Reconciling your payment can then be done with a single click!

Reviews & ratings

69 Reviews
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1 star
Donald Yum

Poor customer service and failed communications

The feature was never delivered as advertised and the support team had repeatedly requested information which is not relevant for the type of industry where my clients are in. Don't understand why XERO had promoted them being the ONLY direct debit platform... come on, XERO!
Tracy Stanfield

Stay Away

Great service - in theory; in practice, however, not so much. I tried more than 20 times to upload my list of ach clients, as I was assured I could do by GoCardless. It has NEVER once worked. I've spent countless hours on this, and on the phone with "support." It's always referred to Engineering, who just never reply. I've asked ot speak to a supervisor to try to get some action on the issues and have been denied. It's probably fine if you're starting from scratch, but don't expect to upload a list of clients. You'll be disappointed.
Leigh Spencer

They "Rejected" me after accepting over $10,000

How would you feel if you got an email saying your deposits that you have already shipped product for were going to be WITHDRAWN after the fact. No one answers the phone. The email replies just tell you what article of the terms that gives them the right to do this... I don't disagree that they can say I am not a good fit, but do they have to do it AFTER we have made transactions? I am sure my customers will pay me (again) but why go backwards. Why the radio silence. They should approve you BEFORE they accept transactions.
Additional info

Shared data

Bank Transactions
Bank Transfers
Branding Themes
Payment Services

App details

Added in 2015


Australia, Canada, Ireland, New Zealand, United Kingdom, United States


English, French


Setup walkthroughIntegration walkthrough



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