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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 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
Explore all features of Crezco
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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
181 Reviews
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1 star(0%)
Matthew Pinto-Chilcott
5 out of 5 stars

Excellent system

Crezco is a fantastic new payment system that works great with instant payment and no fees.
Elaine Wilkinson
5 out of 5 stars
Very efficient and easy to work through,. For me getting the instant email when clients have paid makes debt collecting easy. Staff all very helpful
Lee Hayes
5 out of 5 stars

Seamless Service

Crezco has made receiving payments (for us) and sending payments (for our customers) so easy. It took a few minutes to set up and works seamlessly in the background. As a small business owner this is great.

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

Added in 2021


United Kingdom




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.