1. Discover
  2. Retail
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

64 Reviews
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1 star
Mahdi Hedhli

Low ACH Limits in the USA, Limited Payment Options

The ACH transaction limit is $5,000 per transaction and most of our invoices are over $5,000. The customer goes to make a payment and just gets an error that it's over the limit but we don't get any notices at all. What's worse, we can't request the limits be raised until we have 75 transactions and over 2 months of history... meanwhile there is no option for the customer to submit anything other than the full payment. Bit of a catch-22... how can we build our history if we can't create transactions because of limitations in amounts and functionality? Fix these problems and this would probably be the best ACH payment option.
Rene Chang
So far GoCardless and Xero work very well together. It is easy to collect payments and do the reconciliations. However, we do seem to get quite a few failed mandates and then have to ask the client for credit card payments and we don't get any real explanations as to why the mandates fail. Overall, though, I think the system works well.
Atelier Accounts
Very easy to receive payments and integrates well with Xero. Easy to reconcile and saves time. No need to worry about when invoices will be paid.
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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