How to Accept Credit Card Payments Through XERO the Easy Way

Melody Jaimon • October 4, 2021

Do you use Xero for your accounting? If so, then read on because in this blog post, we will teach you an easy way to accept credit card payments from your customers through Xero.


As an online accounting software, Xero is one of the best when it comes to serving the day-to-day accounting and bookkeeping needs of small businesses. And for many years, its suite of practical tools and robust features has been an integral part of how many organisations operate.


However, not many businesses know that there is an easy way to accept credit card payments through Xero, and it’s made possible by a powerful payment platform which we will introduce to you shortly.


Even if you already have a couple of other payment methods going, it’s a great idea to add more ways for customers to make payments so that it’s easier and more convenient for them.


Anyway, let’s begin!

Accepting Credit Card Payments via Xero (The Easy Way!)

This Australian online payment processing solution lets you automate the collection of credit card payments with Xero, streamlining your accounts receivable process so you can improve your cash flow and provide a better experience to your customers.



To get started, all you need to do is sign up to the platform, set up your account, and then integrate it with your Xero account. The platform has a pretty straightforward setup process and offers automatic reconciliations, meaning that there’s no technical setup required to perform the integration. It’s that easy!

The Platform’s Features

The platform offers a range of features that streamline the payment collection for both you and your customers. Let’s have a look at its best features:

Accept Payments from the Invoice

With this platform, accepting one-off payments (via credit card or direct debit) straight from the invoice is possible.

Get Paid On Time with Regular Automatic Payments

Get paid on the due date of the invoice by setting up automatic recurring payments.

Take Variable Payments Automatically

Similar to recurring payments, you can automate the process of collecting payments from any ad-hoc invoice amount.

Set Up Payment Plans

The platform lets you break a large invoice down into a series of smaller payments.

Batch Payments

Customers can pay all their outstanding invoices at once in a single payment.

On-Charge Subscriptions

With the platform’s on-charge subscription service, you can automatically on-charge the payment processing fees.

Personalised Support

As an Australian payments platform, it has an Australian support team that is always ready to provide you with personalised support as needed.

Pricing Info

All prices are in Australian dollars and include goods and services tax (GST). Prices are only applicable for Australian businesses. Pricing in other countries is different. Fees within the platform can be passed directly onto your customers as part of their invoice.

Direct Debit Bank Account

Transaction Fee:

  • 1% + 30c per transaction with fees capped at $5
  • No setup, minimum or monthly fees.

Standard Usage Fees:

  • Domestic Transaction Fee: 1% + 30c
  • Transfer fee: $1
  • Refund fee – The merchant receives a fee equal to the transaction fee. The customer receives a full refund.
  • Dispute Fee: $25
  • Declined payment fee: $5

Credit & Debit Card

Transaction Fee:

  • 2.5% + 30c per transaction

Standard Usage Fees:

  • Domestic VISA/Mastercard fee: 2.5% + 30c
  • Domestic AMEX fee: 3.3% + 30c
  • International Card fee: 3.9% + 30c
  • Refund fee: $5
  • Dispute Fee: $35

Try it Today!

If you want to get a better feel of how this online payment processing solution works with your Xero account, click here to receive 2 weeks free, thanks to your friends at Love My Online Marketing Pty Ltd.

See How Our Agency Can Drive Massive Amounts of Traffic to Your Website

Website Design designed for your audience and to be found on Google Searches
SEO - unlock relevant and increased SEO traffic. 

Paid Media - effective paid strategies with a clear ROI.

Get Started

Love My Online Marketing has 10+ Years of working alongside businesses and helping them grow. Discuss your options for online success from website Design and Development through to Google Marketing.

Get in Touch

Do you want more traffic and business leads?

Love My Online Marketing is determined to make a business grow. Our only question is, will it be yours?

Let's Chat
Laptop screen displays
By Melody Jaimon January 21, 2026
Is your website fast in NY but slow in Tokyo? Learn how to fix global latency and improve user experience with CDNs, image optimisation, and smart testing tools.
Blue
By Melody Jaimon January 21, 2026
Think online privacy tools will kill your internet speed? Discover security tips to stay safe and fast without the buffering.
Woman typing on laptop at wooden desk near window, smartphone and glasses visible.
By Melody Jaimon January 17, 2026
Generic templates look like your competitors and undermine trust. Find out how custom websites help NDIS providers stand out and grow.
Person using a keyboard, interacting with a transparent screen displaying a digital calendar
By Melody Jaimon January 15, 2026
A complete guide to NSW public holidays, school terms, breaks & key community dates in 2026 to help plan your year.
Person writing on calendar with colorful sticky notes, coffee cup, succulent plant.
By Melody Jaimon January 15, 2026
Find all the important 2026 dates in Victoria (VIC), public holidays, school breaks and community events, in one easy calendar guide.
Person using a stylus on a laptop screen displaying a calendar.
By Melody Jaimon January 15, 2026
Get the complete 2026 Queensland calendar of public holidays, school holiday breaks and significant observances for easy planning and organisation.
Woman looking at a computer monitor and phone at a desk, reviewing a calendar.
By Melody Jaimon January 15, 2026
Your go‑to list of 2026 SA significant dates, including public holidays, school terms and cultural observances to plan ahead with confidence.
Two women looking at the calendar and phone, one surprised, one smiling.
By Melody Jaimon January 15, 2026
Plan ahead with this comprehensive list of 2026 significant dates in Western Australia (WA) public holidays, cultural events, and community occasions.
Colorful push pins on a calendar highlighting several dates.
By Melody Jaimon January 15, 2026
Your easy‑to‑use overview of all major 2026 dates in Tasmania, from holidays to cultural and community observances.
Three hands holding phones connected by a paper airplane, on pink background.
December 17, 2025
Confused between pay-per-lead and pay-per-call advertising? Examine these five key parameters to see which one truly pays off.