Overview
Paying your suppliers is easier than ever with bill payments in Xero. Combine seamless, secure bill payments with your accounting all in one place. No more manual bank transfers or juggling different platforms. Save time, minimise errors and gain full visibility over your cash flow, while maintaining the flexibility to pay bills the way you want.
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Easy, one-time setup: Get started in Xero. Simply allow data sharing permissions with our trusted partner Crezco and connect your bank account (approx. 1-2mins).
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Bill payments made simple: Pay one bill or many in 25+ currencies with just a few clicks. Schedule GBP payments for later and consolidate bills to a single supplier into one transaction saving time and effort.
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Flexible payment options: Send money all over the world including Europe (EUR), America (USD) and Australia (AUD). With no e-wallets, foreign currency accounts or virtual IBANs, delight suppliers with prompt payments direct to their bank account.
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Complete control and visibility: Review and authorise payments prepared by your team and easily track real-time payment activity in Xero.
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Secure, trusted payments: Authorise all payments using multi-factor authentication from your banking app or online banking. Crezco securely processes payments from one bank to another providing peace of mind that your financial data is protected at every step.
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Automated reconciliation: The bills are marked as paid and payments are automatically reconciled in Xero, ensuring your records are accurate and up to date.
Bill payments is available on Xero UK-based Business Edition subscriptions. With no recurring subscription fee or fees for additional users—just pay per transaction when using direct bank transfer in Xero.
Note: We recommend checking with your financial institution to see if open banking is supported, and if there are any banking rules or restrictions on the type of account or payment limits that may apply.

Xero Bill Payments + Xero
Xero has partnered with Crezco, a payment institution that is authorised by the Financial Conduct Authority (FCA) to provide open banking payment services in the UK. Crezco is responsible for providing all payment services when you pay bills by direct bank transfer from Xero.
Getting started
Set up is free and easy, simply connect your bank in Xero (approx. 1-2mins), then the option to pay by direct bank transfer will be available as an additional payment method.
To enable international bill payments in Xero, you’ll need to provide some additional information for verification by Crezco such as business name, address, industry and owner information (approx. 5-10mins). Verification may take up to 3 business days.
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