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By GoCardless
3.78 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.

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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

3.8 out of 5 stars
157 Reviews

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Most recent reviews

Paul Fifield
Posted 4 Dec 2023
5 out of 5 stars

Makes life VERY easy

I used it for my coaching practise and have all my clients on monthly retainers using GoCardless. I NEVER have to chase money and the set up support was it!
Karen Barnes
Posted 30 Nov 2023
2 out of 5 stars

Hard work

As a small business we rely on things working right, but when we had the account suspended, it took 2 weeks to sort out, (it was not our fault it was suspended). You cannot talk to anyone in the correct department, has to be emailed, so takes longer to get an answer or have the issue sorted.The customer support team don't seem interested.
Matthew Zacune
Posted 29 Nov 2023
1 out of 5 stars

Untrustworthy Company

I created an account with GoCardless and was offered an introductory no fee promo. However, when I actually processed a test transaction, I was charged a processing fee. Upon reaching out to their support and complaints team, I was told that I was not supposed to be eligible for the promotion and that they would need to update their Terms and Conditions to include the exclusion that would apply to my account. They Complaints team admitted and agreed that their Terms and Conditions did not exclude my account from the promo, but that because they had intended to exclude it, they would not honor their terms as written upon account sign up. They also stated that they have corrected their terms for the promo based on my complaint. This company is untrustworthy and is unwilling to honor their own publicly stated terms and conditions. I cannot trust them to process payments for me and that I will actually receive the money I am paid.

Additional info

Shared data

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




Professional servicesRetail

App details

By GoCardless
Added in 2015


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


English, French


Setup walkthroughContact



Get started with GoCardless

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.