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By fumopay
5 out of 5 stars
fumopay provides an online payment option on your Xero sales invoices. You’ll pay 0% transaction fees, receive funds instantly when payment is made, and save hours reconciling your bank. Collecting payments made easy.
out of 5
Reviewed by
Xero users
Listed for
1 year
October 2022
Key functions
Invoicing and jobs


fumopay uses open banking technology to provide an online payment option, where payment is made directly from account-to-account.

Get paid faster. Once connected with Xero, fumopay is added as an online payment option on your sales invoices, providing your customers with more ways of paying. Using fumopay, customers can pay online from desktop, mobile or tablet, in just a couple of clicks.

Improve cash flow. As payment is made directly from account-to-account, funds appear instantly in your bank, unlike card alternatives which can take days to arrive.

No manual entry. When your customers make payment, they are taken directly to their own banking app to authorise the transaction. They don’t need to enter debit or credit card details, set you up as a new PAYEE or even enter the invoice amount.

Pricing plans. fumopay charge 0% per transaction, so you keep 100% of your invoice. fumopay charge a fixed annual fee of £48 (Sole Traders) or £69 (Small Ltd), so you know exactly how much processing your online payments is costing you. Full pricing plan details.

FCA regulated. fumopay Ltd are regulated by the Financial Conduct Authority (FCA) as an Authorised Payment Institution.

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fumopay + Xero

Once connected to Xero, fumopay provides an online payment option on your sales invoices.

Pay Now Button When you send online sales invoices via email, your customers can select “Pay Now” and choose fumopay’s “Pay by Bank” option to pay your invoice. They’ll be taken to their own online banking app, so customers won’t need to set-up a new PAYEE or enter any invoice details. Using fumopay, making a payment only takes a couple of clicks.

Payment options You can add fumopay as a payment option to either individual invoices templates or all templates, providing flexibility on how you collect payments.

Easy reconciliation When your customer makes payment, 100% of the funds arrive in your account instantly and Xero automatically suggests a “match” on your bank reconciliation, saving you time finding and matching invoices with transaction fees.

Reviews & ratings

5.0 out of 5 stars
5 Reviews

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Most recent reviews

Sinead Pratschke
Posted 16 May 2024
5 out of 5 stars

Easy to use and great support

An easy set process
Annie Josselyn
Posted 10 May 2024
5 out of 5 stars

Money Saver!

What an amazing, seamless integration to Xero AND a huge money saver from our other payment service! Great customer service too.
Dave James
Posted 4 Mar 2024
5 out of 5 stars

Excellent app

The app is brilliant. integrates seamlessly with Xero and has allowed to my continue collecting client payments without the cost of card fees. Would highly recommend!

Additional info

Shared data

Paymentsshared from Xero to fumopay and from fumopay to Xero
Payment Servicesshared from Xero to fumopay and from fumopay to Xero
Branding Themesshared from Xero to fumopay and from fumopay to Xero


Invoicing and jobsPayments


Professional servicesRetail

App details

By fumopay
Added in 2022

Get started with fumopay

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.