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Stripe

By Xero
3.17 out of 5 stars
Stripe makes it easy to accept payments from debit cards, credit cards, Apple Pay, and Google Pay for online invoices sent from Xero—so you can get paid faster.

Overview

Accept direct debit, credit card, Apple Pay, and Google Pay payments online and get paid up to twice as fast when using Stripe in Xero. You can also set recurring payments for repeat customers with auto pay* to turn always-late into on-time payers.

Whenever you receive payments via Stripe, whether via a Xero invoice or an eCommerce store, you'll automatically see the transaction data flow into Xero and can reconcile each payment with one click.

*Stripe auto pay is only available on repeat invoice templates with the approved for sending status.

Stripe
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Stripe + Xero

Do business around the world: Accept domestic and international card payments from your customers globally for a low fee. Pay 1.4% + 20p (all European cards) per successful card transactions on European cards, or 2.9% + 20p per successful card transactions on non-European cards.* Read more about Stripe pricing here.

Consistent cash flow: Set your payout schedule through the Stripe dashboard and view all of the payments to your bank account. Standard payout times for the United Kingdom are 7-business days. Payout time for the first payment may take 7-10 business days.**

24/7 support: Get help when you need it most. Easy access to step-by-step instructions on how to use Stripe and Xero, and 24/7 support from our customer team. If you have questions about fees and payout times, click here to contact Stripe’s support team.

No chasing payments: Save time and effort when you set up Stripe auto pay and start collecting recurring card payments for repeat billing customers. Auto pay is available on a repeating invoice template that is approved for sending.***

Easy reconciliation: Xero will automatically match payments as they come through your Stripe bank feed, making it easier to reconcile payments with one click. Say goodbye to tracking down payments and fees included in a daily, weekly, or monthly Stripe payout.

Secure and compliant: Protect your customer's information and block fraudulent transactions when you accept online card payments through Stripe. Stripe is a PCI DSS Level 1 certified provider and supports PSD2 regulations in Europe including Strong Customer Authentication (SCA).

**Stripe fees listed above are subject to change. *

**Payout times for your first payment may take between 7 to 10 business days due to financial regulations. For more information about Stripe's payout times, click here. In addition, payout times for businesses in higher-risk industries may take longer.

***Stripe auto pay is only available on repeat invoice templates with the approved for sending status.

Reviews & ratings

3.2 out of 5 stars
246 Reviews
5 star(44%)
4 star(6%)
3 star(8%)
2 star(5%)
1 star(36%)
MB
Mark Bostleman
Posted
2 out of 5 stars

Unusable ACH workflow

All I want to do is provide a simple way for customers to provide their routing and account number to pay invoices. You wouldn't think in 2023 that would be so hard. I tried bill.com which does have a clean process, but ran in to one problem after another being able to set it up. So I thought I'll just go with Stripe. They're huge and the best known brand so even if they cost more it's probably worth it. So their pricing refers to ACH pricing which implies they provide an ACH interface. I connect Stripe to Xero and all I have is a credit card option. But wait, they do have an ACH option - you just have to do a few more steps to add that. Then I set up an invoice to a test customer account with test email address and send it with only the ACH option selected. I get the email and click the Pay Now button. A window loads that provides a routing number and account number to some Wells Fargo account (apparently some intermediary account that Stripe created for me). Then, the customer is supposed to go to their bank (assuming it supports it) and send an ACH transaction on their own. Are you kidding me? Another 45 minutes wasted.
HK
Hikmet KILIC
Posted
2 out of 5 stars

CHARGES

it is extremly high charge , it is very convenient to use it but not that charges , I will cancel it now

Response from Stripe

Hi there—processing fees are split between Stripe and the card networks involved with a larger portion going towards those services. Our fees include access to a variety of features like fraud protection, reporting, and other tools for managing your payments. We do have a cheaper option of payment method that could help you better called Link which costs 1.2% + €0.25 per successful card charge: https://stripe.com/payments/link.
MC
Mike Carter
Posted
1 out of 5 stars

Second Chance

I employed the STRIPE app to give my clients another payment option. After about 8 or 9 months of using it, I found- 1) the charges were very high; 2) I had to wait about 4 days for payment which suggested that STRIPE was using my money on the short-term money market; 3) It is extremely difficult to work out a reference as to who has paid as nothing identifies with a customer name or invoice number. As most of my 300+ clients pay the same subscription fee. STRIPE's reference system is not very transparent and is ambiguous, to say the least; and 4) STRIPE is very hard to contact (as suggested by others) However, I've decided to give STRIPE a second chance and, if anyone there is reading this, I would like an extended reply with details as to how you might resolve my issues with your company.
2 people found this review helpful.

Response from Stripe

Hey Mike, we appreciate the review and your transparent feedback. We'd like to offer escalated assistance to address your questions and concerns—please email heretohelp@stripe.com and we'll follow back up with you as soon as we can.

Additional info

App details

By Xero
Added in 2015

Countries

Australia, Canada, Global, Hong Kong, Ireland, Malaysia, New Zealand, Singapore, United Kingdom, United States

Languages

English

Support

Setup walkthroughIntegration walkthrough

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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.