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How to Accept Credit Card Payments Through XERO the Easy Way
Melody Jaimon • Oct 04, 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.
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