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By CardUp
5 out of 5 stars
The integration let customers pay you directly by credit card or PayNow from your Xero-issued invoices, and let your business accept payments with ease.
out of 5
Reviewed by
Xero users
Listed for
4 years
June 2019
Key functions
Bills and expenses


Easily accept credit card and PayNow payments on your Xero-issued invoices, and get paid faster when you integrate CardUp with Xero. A “Pay by credit card” button (or "Pay by credit card / PayNow" for Singapore) will be automatically generated on your invoices and customers can pay you directly from there. The payment status will automatically be synced and reflected in both your CardUp and Xero accounts.

Direct deposit: All payments are deposited directly into your bank account. No-fuss.

Automatic payment reminders: No longer waste time chasing payments. Use the time to focus on impactful work while we help you get paid.

Low, flexible fees: Split the transaction fee however you like. Either you or your customer can pay for it. Or split it — the choice is yours. There are no hidden fees.

Recurring payments: Reduce late or missed payments by having customers schedule recurring payments.

Credit card rewards: Your customers get to earn miles and cashback when they pay you by card.

CardUp + Xero

Once you’ve linked your CardUp and Xero accounts:

  1. A “Pay by Credit Card” button ("Pay by Credit Card / PayNow" for SG) will be available automatically on your Xero invoices

  2. In just one click, your customers can now pay you using their credit card anytime, anywhere

  3. The funds will be deposited into your bank account

  4. Your payments will be reconciled on CardUp and Xero, and marked as paid on your Xero invoices automatically

Reviews & ratings

5.0 out of 5 stars
3 Reviews

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Most recent reviews

Ee Ling Lew
Posted 28 Jan 2021
5 out of 5 stars

Ease my collections problems

I use CardUp regularly to get paid via credit card. The credit card payment link can be directly included on the invoice and once the customer pays, the invoice shows up as paid on my Xero account - which makes the whole payment collection process very convenient.
Jeremy Li
Posted 28 Jan 2021
5 out of 5 stars

Makes my life easier

This app lets me get paid with credit card without much effort. Pricing is really good, and I appreciate how invoices are marked as paid automatically when I get the payments in my bank account. This saves me time.
Adeline Lee
Posted 27 Jan 2021
5 out of 5 stars
I started including the pay by credit card links on my invoice and it benefitted my business a lot. Customers appreciate the option to pay via credit card, and the best part is I can accept credit card payments without the need to set it up with a bank or incurring any fees. Since all credit card payments get synced on Xero, no manual reconciliation is required and the whole process is just seamless

Additional info


PaymentsBills and expenses


Professional servicesAccountingEducation

App details

By CardUp
Added in 2019


Hong Kong, Malaysia, Singapore




Setup walkthroughContact





Get started with CardUp

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.