3.93 out of 5 stars
    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.

    Explore all features of GoCardless
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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

    3.9 out of 5 stars
    114 Reviews
    5 star(64%)
    4 star(10%)
    3 star(3%)
    2 star(3%)
    1 star(21%)
    Eva Soerens
    3 out of 5 stars

    Not a huge fan

    GoCardless pulls money from my clients, just like it should. However, if I need to do any editing in Xero of old invoices, GoCardless thinks it is a FRESH invoice that needs paying, charging my client TWICE! Which, in case you weren't sure, is not a good thing. Especially when dealing with someone else's money. There needs to be an easier way to cancel bank pulls. I am looking for a different way for my clients to pay their invoice. I can't trust GoCardless not to do its own thing.
    Jo Scott FCCA
    5 out of 5 stars

    Excellent customer service

    Speedy, friendly assistance from Sarbjeet on customer services. I had an off the wall query which was dealt with professionally and speedily. As an accountant using this software, I am more than happy to recommend it to my clients.
    Jana Swart
    5 out of 5 stars

    Great support

    I received great support and guidance in the implementation of the GoCardless and Xero integration.
    Additional info

    Shared data

    Accountsshared from Xero to GoCardless and from GoCardless to Xero
    Bank Transactionsshared from GoCardless to Xero
    Bank Transfersshared from GoCardless to Xero
    Branding Themesshared from Xero to GoCardless and from GoCardless to Xero
    Contactsshared from Xero to GoCardless and from GoCardless to Xero
    Invoicesshared from Xero to GoCardless
    Paymentsshared from Xero to GoCardless and from GoCardless to Xero
    Payment Servicesshared from Xero to GoCardless and from GoCardless to Xero

    App details

    Added in 2015


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


    English, French


    Setup walkthroughIntegration walkthrough


    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.