GoCardless is the global leader in recurring bank-to-bank payments, such as direct debit, ACH and PAD. We enable you to automatically collect pre-authorised payment straight from your customer’s bank account whenever your Xero invoice is due.

    Collecting regular payments like invoices, instalments 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 50,000 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

    • Predictable cash flow Payments are collected automatically as soon as your invoices are due.

    • Stop chasing payments Take control when you get paid and cut out the stress of debtors.

    • 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.

    You can also set up instalment payments for your invoices. This gives your customers an option to spread out the cost of the invoice over multiple, smaller payments.

    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.

    GoCardless for Xero Dashboard There is a specific GoCardless for Xero dashboard that makes the system even more user friendly for Xero users.

    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

    63 Reviews
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    1 star
    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.
    Anna Yakavenka
    I love Gocardless so far. I was comparing 5 different platforms and not regretting choosing Gocardless. Integration with Xero works well, auto-reconciliation works well. I had couple of hiccups, support was helpful and responded pretty quickly.
    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


    0330 122 0140



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