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By Crezco
4.98 out of 5 stars
Xero's best-rated payments app. Collect payments instantly for free or bulk-pay your suppliers and employees, no matter where they are.


Crezco is an open banking payment solution for online invoice payments up to £1,000,000. Crezco initiates domestic and international bank-to-bank transfers seamlessly and securely. Funds arrive in seconds, and payments instantly reconcile within Xero.

Collect payments

Get paid sooner for free by offering your customers a secure and convenient checkout solution via Crezco. Crezco automatically adds a payment link to your invoices, ensuring you are paid on time to the correct bank account. In addition, account-to-account payments are reconciled automatically within Xero.

By using Crezco to collect payments, on average you:

  • get paid seven days faster
  • save ten hours per month on reconciliation
  • save £350 per month in payment fees

Make payments

Import your contacts and invoices automatically from Xero to Crezco and pay all your suppliers or employees from a single bank authentication.

By using Crezco to make payments you:

  • save ten hours per month paying all your suppliers in one click
  • improve your sharing process by allowing staff to create batch payments and share them with management
  • save money on payment fees

Go Global

Collect or make payments in 70+ currencies and 100+ countries securely and efficiently track your payments. No e-wallets, V-IBANs, or foreign currency accounts are required, and transactions are securely processed from one bank account to another. In addition, Crezco provides you with the best foreign exchange rates available.

By using Crezco for international transactions you:

  • get the best foreign exchange rates available
  • pay directly into your supplier's bank account in the right currency
  • get better visibility on your payment status
  • get no additional bank fees for sending internationally
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Crezco + Xero

Crezco securely connects to your Xero account to enable itself as the payment solution for your invoices and to read and update information as appropriate. Examples include reading the amount due on an invoice to assure the checkout page displays the correct information. Following the transaction Crezco will update the invoice as paid and record the payment as a transaction against a nominated account within Xero to aide reconciliation.

Reviews & ratings

5.0 out of 5 stars
217 Reviews
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Most recent reviews

Matt Willis
Posted 22 Sep 2023
1 out of 5 stars

Adds no benefit for paying bills

For a start you can't seem to link via the Barclays phone app as the QR code makes you login via a browser on your phone - not the app. Crezco help is next to useless about this. So I have to do it all on the computer - which is fine, by why offer something that doesn't work? Then, if you create a batch payment (all bills for the same supplier) and pay it using this facility, one is required to authenticate with the bank account website for each batch (not really integrated in my view). Also there is no stage to send the remittance emails, so you'd need to return to the batch afterwards and do this - again, not what I would call seamless. To cap it off, when it comes to reconciliation in Xero, each batch payment is shown as a set of separate bill transactions - that you can't easily match. Frankly a bit of a waste of time and doesn't really gain on the pumps. Also - no facility to use this for payroll. Not something I'd plan to pay for in the future
Christopher Hobley
Posted 31 Aug 2023
5 out of 5 stars

Never looked back!

My accountant suggested trying out crezco to collect payments from our clients for our music school. It's instant, easy and free to use. No more transaction fees. They also have great customer service support too. Highly recommend!
Angela Jones
Posted 8 Aug 2023
5 out of 5 stars

Great for payment collection and sending payments

Had an initial call yesterday to outline how the system worked and have already starting receiving payments for invoices today, linked directly to my Xero invoices and reconciled for me. Great bit of kit. Will be keen to try out the sending payment side too!
One person found this review helpful.

Additional info

Shared data

Payment Servicesshared from Xero to Crezco and from Crezco to Xero
Invoicesshared from Xero to Crezco and from Crezco to Xero
Branding Themesshared from Xero to Crezco and from Crezco to Xero
Accountsshared from Xero to Crezco and from Crezco to Xero
Usersshared from Xero to Crezco
Currenciesshared from Xero to Crezco and from Crezco to Xero
Bank Transactionsshared from Xero to Crezco and from Crezco to Xero

App details

By Crezco
Added in 2021


Australia, Canada, Global, Hong Kong, Indonesia, Ireland, Malaysia, New Zealand, Philippines, Singapore, South Africa, United Kingdom, United States




Setup walkthroughContact


020 4525 4187


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.