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Stripe makes it easy to accept debit and credit card payments for online invoices sent from Xero.

Get paid up to 14 days faster, and reconcile payments easily, when you use Stripe in Xero. You can also set recurring payments for repeat customers with auto pay in Xero.

Millions of businesses — ranging from startups to Fortune 500 companies—rely on Stripe’s tools to securely accept payments. Stripe offers fraud protection tools powered by advanced machine learning algorithms to help you detect and prevent fraud.

Explore all features of Stripe
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Stripe + Xero

Easy set up To set up Stripe and collect payments on invoices, connect from the invoicing screen in Xero, or payment service setting in the general Xero settings section.

If you use Stripe outside of Xero invoices but would like to reconcile Stripe payments, such as payments from an online store or CRM tool, you can connect the Stripe bank feed.

Stripe processes all transactions for you, then pays out to your chosen bank account. Once your Stripe account is integrated with Xero, you can accept payments immediately.

Secure for your customers and for you Stripe is PCI DSS Level 1 certified. Your customer’s information is tokenized so you never need to see or store sensitive information. Stripe also supports PSD2 regulations in Europe and is Strong Customer Authentication (SCA) compliant. Stripe scans every transaction to dynamically trigger additional authentication only when required.

Easy Reconciliation When a Stripe payout comes in through your bank feed, Xero will do the matching work for you. All the transactions in Xero tied to the Stripe statement line will be automatically matched against it. Say goodbye to tracking down a ton of payments and fees included in a daily, weekly or monthly Stripe payout.

Payout times

When a payment is first received, it is initially reflected as a pending balance, less any fees. This balance becomes available according to your payout schedule. Funds are transferred to your bank account on a rolling basis. It is important to know that due to financial regulations there is a mandatory 7-10 day period to receive your first payment from Stripe. After that, you can set the frequency of the payouts in the Balance tab of your Stripe dashboard and view all payouts from Stripe to your bank account.

New Zealand4 business days
Australia2 business days (except businesses in higher-risk industries*)
United Kingdom7 business days**
United States2 business days (except businesses in higher-risk industries*)

See the payment schedules for your country here.

*If your business operates in a higher-risk industry, this schedule may not be immediately available. We require a short period to monitor your business activity before it can be enabled, in which case a 7 calendar day schedule would apply instead. This delay protects your business, customers, and Stripe from the increased risk of fraudulent activity.

** In some markets, it may be possible for your funds to be available sooner than the standard schedule. Eligibility for accelerated payout timing depends on your history with Stripe and the industry in which your business operates. To change to an accelerated payout plan or back to the market default, visit your account’s payout settings in the Stripe Dashboard. When selected, an accelerated plan applies to all future charges.

Reviews & ratings

134 Reviews
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Guy Boggan


All the reviews here are from the sort of people who leave 'reviews', they'd complain about anything. I'm only writing this to compensate because I think stripe are fantastic, I dare people here to suggest a better payment integration platform at the moment, Stripe is so easy to use, so transparent, and integrates across a tonne of platforms. The dashboard is a pleasure to manage payments in and issue receipts & refunds if necessary. Yes you have to wait up to a week to have funds deposited but if you have a SEPA bank they will arrive exactly when they say they will, and they have recently added instant payments within the UK so hopefully that will role out soon everywhere. Plus with the added ease of taking payments you'll still get your funds quicker than archaic accounting teams that finally get around to a bank transfer a month later. And this is also only really a noticeable issue at the beginning because once you start regularly invoicing you'll constantly have money being deposited just it'll be from the week before etc, cash flow will balance out. And yes they have fees but they are much lower than other platforms, I'm based in Ireland and their fee is 1.4% + €0.25 (+Vat), where as PayPal is 3.4% + €0.30 (+Vat) and that is a significant difference. The one thing I would love to be updated with this integration, is to integrate the new Stripe Climate Badge into the card payment on a Xero invoice, it doesn't show up even if you have it active in Stripe and for Stripe Invoices.
Julian Saxby

If I could go zero stars i would

Zero support, they will just unauthorise your account and withhold your money, all whilst lying about a 24-48 hour turn around - I have been waiting a week now
Munir Vara

No support

I signed up for Stripe with all the correct information. I was aware I would have to wait 7-14 business days for the first payouts to process. I am going going 20 days now and I get the same response from every agent. I call, email and chat. The emails are being ignored. The call center agents are now disconnecting my calls without answering. They even refuse to refund the fees they took from my payments. PLEASE DO NOT USE THIS SERVICE.
Additional info

App details

By Xero
Added in 2015


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




Setup walkthroughIntegration walkthrough



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