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3.9 out of 5 stars
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

3.9 out of 5 stars
129 Reviews
5 star(63%)
4 star(10%)
3 star(2%)
2 star(3%)
1 star(22%)
Stevie Klick
1 out of 5 stars

Horrible and slow customer service/ don't take privacy seriously

I was very unimpressed with this service. Not only is their customer service team a nightmare to get a hold of but it's long distance and you have to wait a really long time for anything to be done. They somehow managed to make a 'human error' with my setup involving potential breach of privacy and fraud on my documents of incorporation and bank statements. They took 5 business days to respond to my request and that was only because I called after being scheduled for a call where your team member ghosted me. Setup is not easy and the fees are high. For a company that offers a mediocre service, you should be begging for customers not telling them it's going to take 7-10 business days for an underwriter to 'approve' of my account. It's pretty simple, I collect money from my customers and you are the middle man. No other company has such a horrendous process. DO NOT RECOMMEND
Jonathan Crowther
4 out of 5 stars

Go Cardless integration with Xero

The app is excellent and helps to reduce the administration of regular collections and credit control. However, the initial training is very poor and lets down both Xero and GoCardless. As an accountant I need to know the system is fully controlled and in balance at all times and work is needed to reconcile the collections and keep a clear track of the reconciling items. Neither GoCardless nor Xero are taking this onboard properly which is why I have not rated this as a 5 star app!
Rachel Barrow
5 out of 5 stars

Great for collecting regular payments

I have been using for a few months now to collect payments and avoid late payments and it has worked a dream. I love this software and would highly recommend!

Response from GoCardless

Hi Rachel, Thanks for your lovely review - we're glad to be able to help take the pain out of getting paid!

Additional info

Shared data

Paymentsshared from Xero to GoCardless and from GoCardless to Xero
Payment Servicesshared from Xero to GoCardless and from GoCardless to Xero
Contactsshared from Xero to GoCardless and from GoCardless to Xero
Branding Themesshared from Xero to GoCardless and from GoCardless to Xero
Bank Transactionsshared from GoCardless to Xero
Accountsshared from Xero to GoCardless and from GoCardless to Xero
Invoicesshared from Xero to GoCardless
Bank Transfersshared from GoCardless to Xero

App details

Added in 2015


Australia, Canada, Ireland, New Zealand, United Kingdom, United States


English, French


Setup walkthroughContact


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.