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By CreDec
5 out of 5 stars
Make payments from Xero automatically through existing bank accounts with CreDec. All you love about Xero now with real time payments and bank feeds.


CreDec works seamlessly with all bank account providers and updates bank feeds in real time, so you can see what’s been paid and instantly reconcile your bank payments. Funds are always held by existing bank providers or are paid on to payees.

Final authorisation is confirmed by existing bank personal security credentials holders before any money leaves the bank account.

CreDec uses Xero roles and permissions so only the people you choose can instruct payments: accountants and bookkeepers can securely collaborate with business owners to manage all bank payments in Xero.

CreDec enables businesses to streamline and manage all their accounts payable bank payments activity automatically from Xero - in any workflow or configuration.

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CreDec + Xero

CreDec links your Xero organisation to a CreDec virtual account, enabling you to make payments from within Xero. The CreDec bank feed and automated bank transfer features mean you can quickly reconcile transactions with one-click and view exactly what's been paid in real time.

Connecting your Xero organisation and creating a CreDec virtual account is automated by CreDec and takes seconds. Once connected, users with Xero invoice permissions can start paying invoices straight away. Both BACS and Faster Payments are supported, and multiple CreDec virtual accounts for all the bank accounts you want to make payments from in Xero are included.

  • Works with Xero batch, single and on account payments
  • Same day or future dated payments
  • Schedule regular automatic pay runs for bank signatory sign-off
  • Automated reminders and prompts for all users
  • CreDec Customer support

CreDec in Xero joins up payments and accounting, in real time.

Reviews & ratings

5.0 out of 5 stars
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Most recent reviews

Gulmina Khan
Posted 26 Oct 2020
Can anyone help please, can you pay to foreign supplier via Credec?
One person found this review helpful.
Tanya Warnford-Davis
Posted 16 Jul 2020
5 out of 5 stars
We are unique users of Xero and operate a group with 3 Xero entities. Our Credec set up is more like that of an accounting bureau with 'customers' and works really well. We historically used BACS for all payments and moved to Credec after piloting the platform in April. It now takes considerably less time and is very easy to make all payments across the group. Xero AP payments are quick and reconcile and the Credec platform also has the ability to use FPS with import templates, and Xero payroll files, without the need to think about BACS deadlines. Was also apt timing as Xero changed AP to suit its own AP tool and changed the format of our Bacs csv file. API integration and set up was quick and faultless. Would definitely recommend taking a look at this add on if you are an SME, Group or an accounting bureau with multiple xero customers.
Matt Portt
Posted 7 May 2020
5 out of 5 stars
The software we've been waiting for, automation at it's finest with reliability and great support. This takes payments to the next level!

Additional info

App details

By CreDec
Added in 2019
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.