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Community > App Reviews >


Started by Xero API -   in App Reviews |Payments

2.6 out of 5 stars
Based on 95 user ratings
If you are a user of Xero and Stripe, tell us how you are getting on and your experience so far. Any tips?

About Stripe

Stripe makes it easy to accept credit card payments for online invoices sent from Xero. For more information, check out Stripe.

For integration support, please contact Xero, or for issues relating to Stripe service, contact Stripe. Please also see this guide on integrating Stripe and Xero.


It’s important to know that due to money laundering (‘Know Your Customer’/KYC) regulations there is a mandatory 7-10 day period to receive your first payment. Going forward, payments are then received on a minimum 2-day rolling basis depending on the country. For example, UK payments are received on a 7-day rolling basis i.e. payments received on a Tuesday are paid out by the following Tuesday. Other countries use different payment schedules.

Very easy to implement - up in 30 minutes.

As others have said you will have to wait 7 days for payment and you don't get notifications when payments made. These are the only two drawbacks I can see.

If you are an ecommerce site it is great when using with Xero accounts.
When you reconcile Stripe payments in Xero it auto matches sales invoices with Stripe payments.
We use the hosted page in Stripe so you can take all manner of payment types including Apple Pay etc.
The fees are 1.4% + 20p which is way cheaper than doing it with Apple direct.
For an extra fee of 0.4% you can be covered against any fraudulent transactions too and not have to provide any evidence.

Scott Riley  

Disclaimer: I am using Xero and Stipe but not the native integration.

I was already using Stripe when I was recommended Xero. So, I decided to connect my Stripe account to Xero. I did not want to import/export data from Stripe. Rather I saw connecting these two apps gave better functionality. I am still exploring Xero but I really liked the invoicing part. I haven't really tried the native integration part. I have been using this no-code platform, Automate.io to sync all my work apps. So I went ahead with this integration option. Whenever there is a new contact in Xero, customer is automatically added in Stripe. Again when my customers make a new payment through Stripe, an invoice is automatically generated in Xero. I am liking this kind of automated workflows for now. :)

Mark Baner  

@Raelene Flay, if you reach out via heretohelp@stripe.com, we'd be happy to take another look!

Whitney — Support @ Stripe  

Stripe is a joke! Setting up was seamless and super easy and I went with Stripe based on the credibility I gained from Stripe being promoted on the Xero website and Rocketspark. However on the 8th and 9tth transaction Stripe started holding 25% in reserve funds as per their T's & C's. No issue with that however when I asked for a reason the emails have gone back and forth for days without providing a valid reason. Finally I got this response from them:

"As much as we’d like to provide you with detailed information why we are unable to remove the reserve on this account, I'm afraid that to protect our processes, we are unable to disclose any further information."

WOW! Just wow is all I can say. I am looking elsewhere for my online payment processing.

I rate them a big fat ZERO!

Raelene Flay  

@John Herron, it looks like you were able to resolve this with our support team but let us know if any further questions or issues come up!

Whitney — Support @ Stripe  

@Keely Wilkinson, so sorry if this came as a surprise! We outline more about this in our documentation at https://stripe.com/docs/payouts#supported-accounts-and-settlement-currencies.

Whitney — Support @ Stripe  

@NIA Billing, happy to provide some clarification here!

If you want to receive notifications after you receive a payment, you may request this via your Dashboard under "Email preferences": https://dashboard.stripe.com/settings/user

You may be eligible for faster payouts—mind reaching out via support.stripe.com/contact so that we can take a look?

Whitney — Support @ Stripe  

Avoid this processor - no customer support. Can't access my account and they have payments on hold beyond 10 days

John Herron  

I would NOT recommend this app if you're UK based and deal multi-currency. We have no issues receiving EUR or GBP payments, but we have a UK based bank account for USD and because the bank itself is not based in the US, we cannot receive payouts to it.

Support offer no resolution other than to charge you to transfer the $ balance to our sterling account.

Keely Wilkinson  

I would not use this processor if you expect (1) notification when a payment is made and (2) want that payment in your bank account in less than a 7-10 days. Yesterday, I contacted customer support about 2 payments not showing on the dashboard. After 15 minutes, I was told they were having a technical issue, they would not be able to help and I should just check the dashboard tomorrow. Today, still no payments showing and no emails from Stripe about the payments.

NIA Billing  

Great application. We love stripe.

Meagan Peacock  

I went ahead and setup Stripe, integrated directly into Xero. The setup was super easy. It has worked perfectly. The auto-pay feature is really nice as I have monthly retainer clients where the invoice automatically goes out the first of the month. The customers who have setup auto pay via stripe never have to think about it and are never late. So the invoices go out, get paid via stripe, money sent to my bank, and automatically reconciled in Xero. I do nothing more with the billing. Perfect!

Arc Intermedia Accounting Dept.  

Hi I have xero and stripe and want to incorporate the two. The reviews here aren't great for stripe but it seems that it's only about the time it takes to payout the funds.

Are there any other issues i should know before I incorporate the two?

Also after joining stripe I realised that I needed a mobile charge card app as well which costs extra in fees etc. This was disappointing but I have survived though it. Customer service for both has been incredible.

So please let me know in advance what else I might need to pay for before I add any apps.

Thank you

Perfect Drive Sydney  

CEO Osprey—thanks for flagging this! We may be able to offer you faster payouts. Mind reaching out via heretohelp@stripe.com?

Whitney — Support @ Stripe  

I added Stripe a few weeks ago to receive a broad range of payments through pay by link on our Xero invoices. The registration process and integration was extremely easy and quick and within a matter of minutes we were up and running. I chose Stripe as this is what I expected for the higher fees that Stripe charge compared to the majority of other providers that I reviewed prior to making a choice.
What I did not expect for these fees was the delay in getting payments from my Stripe account to my bank account. Every other provider that I spoke to has quicker standard pay out times than Stripe, despite being dramatically cheaper. I questioned this with Stripe on live chat and was told 'This is due to legal and banking restrictions'. I find this very difficult to believe as it appears that no other provider has those same restrictions. 7 days is totally unacceptable in this day and age, when I can make international transfers of large amounts of money within 8 hours. I am choosing an alternative.

CEO Osprey  

I love Stripe. It integrates with Xero and makes our job as Bookkeepers so much easier. I have definitely noticed that debtor days for clients have reduced as a result of offering Stripe as their payment gateway! Well done Stripe!!

Scott Trevethan  

I have a few clients using Stipe, the xero integration was straight forward. So easy to use!

Valentina Armijo  

Stripe is a ‘must have’ APP for all business owners. The new stripe feed has saved hours off the reconciling I had with my two other payment options. I have now cancelled them and love Stripe 😍 (don’t tell my husband 😂👍)

Shannon - Smart Business Solutions  

Stripe is seamless and so easy to use. The bank feeds in xero make easy to reconcile on a daily basis. I am in the process of implementing as many as my clients to Stripe.
Well done Stripe

Enza Farfalla  

Stripe has allowed me to see multiple membership payments simply and with ease. No logging in and out of different apps as the integration into Xero is seamless. Thanks for the simplicity and making my life easier 🙌🏼

Amy O'Connor  

Stripe is easy to use and the recurring payment is a very welcome feature.

Fanny Hanusin  

Love stripe. Use it in my own practice. Have been using another system for direct debits and slowly moving all my clients over to stripe recurrimg payment.. It's easier to use. Gives my clients more options to pay and only costs me 30c per transaction.

Sally-Ann Gorojovsky  

Hi Claire, I am sorry to hear that you're having trouble with your Stripe. 😔 This page is mainly for reviewing your experience with the Xero + Stripe integration. Each user is only able to comment on reviews once, so there's no way to have a back and forth convo with your peers here. Totally get wanting to check in with others though, and our Xero Central Discussions forum's the perfect space for this. However, when something isn't ticking along as usual in the product I do suggest staying in touch with our Support crew, who've the relevant tools to uncork these situations in more detail.

I've chased up and escalated your case with our team. However, I'm afraid this isn't quite as easy as it looks! Our specialists are pedalling hard to help you get this sorted asap. I promise they'll reach out to you as soon as they've a bit more info. Cheers 🙂

Kavi S (Community Manager)  

Stripe / Xero integration has worked well for me for 3 years, no problem. This week it stopped working, after entering your credit card details it hangs saying 'Processing. Please wait'. The transaction is not getting through to Stripe at all (their customer support person very fast, online real time chat) so looks like Xero. Xero customer support - no phone numbers, anywhere. You have to email questions. But no real time chat. Took 24hrs for Xero to respond, email arrived at 4am. Suggestion - delete and reinstall Stripe. Did this in 30 secs. Wait another 24hrs for a 4am response from Xero. Suggestion - clear my cache. Did this in 30 secs. Am now waiting for another Xero response. Is anyone aware of any backend changes in the last 7 days between Xero and Stripe??? Am struggling as to what to do next.

Claire Olliffe  

it would be a good feature if stripe were able to pass the 1.75% fee onto the customer automatically instead of the business owner having to amend an invoice

Shannon Bulmer  

It works fine does what it says it's going to do but would like to be paid quicker than 7 days, Gocardless is 2 days.

Raniera Tini  

Hi David, this thread is just for the review of the integration between Stripe and Xero. Each user can only comment once to share their thoughts and leave a star rating, on each review page. So, unlikely to be able to respond here. You can always start a discussion over in the Connected apps & services, over in Xero Central :)

Kelly M (Community Manager)  

Before I connect Stripe, is it true that they won't accept digital marketing agencies that have invoices for SEO, paid search, etc.? If this is true, any recommendations on another processing company that connects well with Xero?

David Sonn  

So far so good.
Stripe does what it says and works well.

Would like to be paid quicker than 7 days; but all good.

Martin Seccombe  

I just wanted to pop in and draw attention to our article on Xero Central that details reconciling different transaction scenarios and might help a touch for some here, as well as our own Support team for an help on reconciling transactions once within Xero. :)

Kelly M (Community Manager)  

It works BUT it is really user-unfriendly. Customers pay stripe via credit card using our reference eg. INV 0001. A few days later we get the amount due less about 46 cents with a reference of Qwht143Grtdes or some such similar. Really?

Bubbling With Energy  

Hi Suzanne Adams—I'm so sorry for the trouble here. It looks like there was a misunderstanding about what your business does. I've followed up with you via email with an update about your account.

Whitney — Support @ Stripe  

We have been using Stripe for about a year now, and even though the payments take at least 5 days to come into the bank account, the system seemed to work reasonably well. However Stripe has now all of a sudden, decided we are in "breach" of their restricted business and services. Despite numerous efforts to contact them we have just received what looks like automated replies providing us with no explanation whatsoever.
The customer service has been appalling with no number to call or even online chat, just computer generated generic responses Makes you wonder whats going on behind the scenes.
Avoid at all costs.

Suzanne Adams  

I'm a long time stripe user and brand new to xero. IMO Stripe is an absolutely awesome payment processing solution and they have great customer service. I'm hoping that I can get my stripe transactions streaming into xero. ifsqn.com

simon timperley  

Hello Admin @ Pukunui—Looks like we've reached out to you via email about this on January 18 to get a copy of your ID. Sounds like you missed this so please ensure that you can receive emails from us in your inbox. You may need to check your spam folder to see if that's where our emails are ending up.

Whitney — Support @ Stripe  

Absolutely terrible service, I recommend steering well clear of Stripe.

After I connected Stripe to my Xero account in November 2018, I received my first payment through Stripe 7 days after the payment was made by the customer. The message within my Stripe account said "Congratulations on making a live charge! We'll deposit the funds in seven days. Future payments will arrive in just 4 days."

A customer processed a payment last week (7 days ago) and the money is yet to appear in my bank account. I logged onto my Stripe account and this morning a message says "We need to confirm the identify of your account's owners before we can send payouts to your bank account." and asks me to complete identify verification.

What complete bollocks... why didn't they ask for this information at the beginning of my account signup process?? Why didn't they send me an email to tell me I needed to complete ID verification, rather than alerting me via the Stripe dashboard, which I never ever log into??? Particularly if it's hugely important and is preventing me from actually receiving payments????Why are they now withholding my funds (several thousand dollars) after previously telling me my payments would arrive within 4 days?????

I will be cancelling this service asap. Shiesty, immoral company, and Xero should rethink their recommendation of the Stripe app as it will eventually tarnish their brand too.

Edit: @Whitney from Stripe, I didn't receive any email and during my chat I was advised (verbatim) "Unfortunately we do not send this out to email to verify as this would only be within the notifications section in your Dashboard."
So not sure who within your team is telling porkies here, but my feedback remains the same.

Admin @ Pukunui  

Hi Katherine—since you're based in the UK, the fastest payout schedule we're able to offer is a 7 day payout schedule, although we're working to provide faster payout schedules in the future!

Whitney — Support @ Stripe  

Cancelling this service because they hold on to my money for 7 days. Very angry.

Katherine Scott  

Hi Robert. We may require additional information from you if we aren't able to verify the validity of your business with the info that you've previously given. Once you've followed up with that, your account will be restored!

Whitney — Support @ Stripe  

I've been very happy with Stripe until yesterday...when they threatened to hold my funds until they "verify" my business. Evidently they don't like the larger invoices I'm now collecting from my aviation clients. They are worried about my having to give refunds because it "appears that you are a travel business". Reading these reviews its seems as though Stripe now likes to withhold funds using this "verify" term. You should read these emails I'm getting from Stripe as I protest. These guys are clueless when it comes to customer service. Its a shame because I've been so pleased with them for almost two years. But the last thing I need if for amateur hour at Stripe to lead to the company going belly up while they hold $20K of my paid invoices.
I'm out...

Robert Wrinkle  

Is there anyway to have have a Stripe customer created (e.g. based on Xero contact) when a charge happens from a customer paying a Xero invoice?

SkyFi Corporate  

Hi Dean! Since you're based in New Zealand, you might be eligible for a faster payout schedule (https://stripe.com/docs/payouts#4-day-rolling). If you reach out via support.stripe.com/contact, we'll be able to take a look.

While being able to add a surcharge automatically on top of a charge is a great idea, we don't have this functionality built out at the moment. Be on the look out of updates!

Whitney — Support @ Stripe  

Xero suggested adding a payment button saying “pay now” whislt know one had used the button untill today the payment went through stripe and I relised that stripe had taken a fee over nearly $60.00 and also wouldn’t put the payment through into my account. They told me I had to wait 7days! After contacting stripe they were very un helpful and basically told me that that’s their “rules” in their own words and I had to wait 7days and have a fee taken out of my money. Will be removing this option from my xero account immediately! DO NOT RECOMMEND STRIPE!

Aaron Frost  

I have been using Stripe with Xero for a little while now and I am very dissapointed on a couple of fronts. Firstly is the time it takes for me to receive my money. 7 days is ridiculous in this day and age especially when the payment is made immediately and taken from my customer immediately. I run a small business and rely on cashflow to keep me afloat. Who is benefiting from the interest for the 7 days? Definately not me.

Secondly is the fact that there is no setting to automatically have the transaction fees added to the payment if my customer chooses to use their credit card. Everyone knows that if a credit card is used for payment, then there is a charge attached. When I contacted the support desk on this, they said that they have not had enough requests to have this feature added to warrant them adding it. (BS) They did go on to say that there are 3rd party options which can add the fee in automatically. (What is the charge for that?) I have noticed that this is a common point raised on a number of reviews dating back to October 2013.

I have removed Stripe from my payment options until this changes.

Dean van der Merwe  

I am frankly baffled by the reviews that are unhappy with Stripe. I have been using Stripe for over three years and process over 40% of my billings with Stripe. In fact, the payment link goes out on EVERY invoice I send. This allows me to generate invoices within Xero. Payment matching has been perfect, including fee reconciliation. I do not recall any payment taking more than 2 days to clear. Clients love it and I have not had one complaint. Full disclosure: I use only the credit card payment option.

Frederick Huebner  

Hi Kim—looks like you're based in New Zealand! If so, you may eligible for a faster payout schedule (https://stripe.com/docs/payouts#4-day-rolling). Mind reaching out via support.stripe.com/contact and we can take a look?

Whitney — Support @ Stripe  

Just started this last month and will be removing it. Its a joke in todays modern world to wait 7 days for money that is paid immediately via credit cards!!

And no way of having the payments to stripe separated. Also thats a lot of money lost for our business - fees and interest - for what is claimed a speedier way to receive money :(

kim rogers  

Hi Paul. Since you're based in Australia, we may be able to offer you a faster payout schedule! Mind reaching out via support.stripe.com/contact and we can take a look at your account?

Whitney — Support @ Stripe  

Their 7 day clearance times are a joke. Been using them now for 3 years and still won't reduce my clearance times. The clumsy reconciliation is also an issue as you don't know who the deposit was from you still need to manually check stripe to see who the payee was. moving to Square!

Paul Cundell  

Hi David. Unfortunately, if we're unable to verify the legitimacy of your business using the information provided when you sign up, we may need to request additional information. Providing this quickly will help us complete the review of your account more quickly.

Pat, our docs lay out what your payout schedule will be. As you're based in New Zealand, you'll be on a 4 day rolling payout: https://stripe.com/docs/payouts#4-day-rolling.

Whitney — Support @ Stripe  

I love using Stripe with Xero. The whole process from signing up to setting up the account in Xero was seamless. Payments are automatically allocated to the invoices and fees are separated so all that is left is to click on the green 'Ok' button in the bank reconciliation screen. My first receipt did take several days to come through however since then the receipts come through the following day and having the ease of an online credit card payment solution has helped some clients to pay much faster!

Kim Watts  

Sure, this is fine if you use Stripe to collect XERO invoices.

Not a good solution if you use Stripe's platform elsewhere and need to break the stripe deposits into their components (payments, fees, etc)

Adam Thompson  

Why are Xero promoting Stripe? It claimed I would be paid quicker so I joined up and then realised that for my customers who now pay within 7 days I won't see the money for an extra 4 days!!! Then when I saw the process for retrieving and reconciling the payments it is very complicated, especially compared to clicking an "OK" box on my Xero page. I have quit the program immediately. Another dud Xero add on.
Xero are claiming that Stripe can get payments up to 10 days faster. How do they calculate this? Is this just false advertising that should be brought to the attention of the NZ Commerce Commission?


Hiya Will, appreciate you jumping on here with your questions. Just to clarify, this page is simply for reviewing the set up of Stripe as a Payment Service for invoices in Xero. We do have a larger conversation here on setting up Stripe as a bank account, which I'd suggest adding your vote to, so we can get a good idea of demand.

Jon, thank you so much for your feedback. You're right that the ACH solution works on a per invoice basis. I understand why this isn't ideal for you or your customers. We don't have a solution for this just yet as there's still a bit more work to be done to support this change. We do have a request here where you can show your support for this functionality. We'll jump in on this request and update you the moment there's any changes in this space.

Kavi S (Community Manager)  

Hi, I have not tried this app yet, but can anyone say if you can use it to automatically reconcile stripe payments that happen on your website (not ones where people pay a xero invoice)? So to clarify, my standalone woo commerce eCommerce website uses stripe to take card payments. Another app automatically creates invoices in xero for these orders. We then manually reconcile the stripe payments (and fees) to the invoices when it appears on the bank statement and comes into xero. What I'm wondering is if this app helps in any way with that process. I am not interested in the element that lets you add a 'pay with stripe' link to outstanding invoices.

Will Hayes  

Stripe are slow to pay at the best of times.
They then run audit from 6 months ago asking for copies of invoices while all the time holding payments back.
Once you comply they go quiet and you wait for payment to be released.
Would not recommend this service to any small business.
Average wait is a week current case is now going on 4 weeks.

David Fisher  

I would love to use Stripe ACH in Xero, but the integration setup today only allows customers to get a routing number and account for each invoice. I wish Xero would support ACH by the customer level or input their bank details and pass to Stripe ACH. Right now my customer has to create a new ACH transfer every time or their bank won't support one-time ACH transfers.

Jon Helm  

Hi Dom, we completely understand the need to get your funds more quickly. While your account is still too new to move off the traditional 7 day payout schedule, we'll take a look at your account in a month and see if we can move you to a faster schedule.

Whitney — Support @ Stripe  

Hi Jake, do you enjoy wait 4-12 days for you money?
They told me 4 working days but the truth is I wait up to 12 days to see my money!!
They blame our banking system but their competitors pay in 2 days.

Dom Hines  

Stripe is fantastic, but since Xero won't allow me to add a Stripe account as a bank account I have to pay a 3rd party to input individual transactions into Xero. This has been going on for about three years with no end in sight!

Jake Phillips  

Hi Paul, we wish that we had a different answer, we sadly aren't able to support your business on Stripe at this time. We wish you the best going forward with your business!

Whitney — Support @ Stripe  

Stripe doesn't support the tech industry. It pulled my account simply because I was processing website design and SEO work throough Stripe. All they said is that their backers don't support these industries.

Paul Carter  

Absolutely love the Stripe/Xero integration, and works well for our requirements. The only feedback I'd love to suggest is the ability to charge two different card fee rates.

One simply for local transactions (Australian Rates) and another for International card payments at a slightly higher rate. This would save us re-billing our (international card-paying) clients again at a later date for card fees.

Philip Honey  

@Michael, so sorry for the delay in getting this form to you! As this is a new regulation, it has taken us a bit longer than usual to generate this form. We are in the process of generating this for you so please stay tuned via email for an update.

Whitney — Support @ Stripe  

Stripe has terrible support and does not even have a number to call. I have been sending endless emails back and forth with 24 hours between emails. Stripe will not follow the Massachusetts law to report a 1099-K and supply a copy to us for total transactions of over $600 for the tax year 2017. I sent them all the regulations and spoke to the Department of Revenue and they will not help me. They said they only have to follow IRS guidelines and not Massachusetts laws. Massachusetts says they need to follow their new laws as well since they do business in Massachusetts.

Michael Stepka  

David, Xero is a much better product than for example MYOB but I have to say that MYOB support is better than Xero Support - at least you can call them. Sorry Xero but you need the feedback.

In relation to Stripe, we used it for 12 months and moved on. Stripe is great in so many ways but lets itself down on a basic level - it deducts its fees and pays the net amount of any sale whilst refusing to provide a proper bank feed. I know they have recently provided a work around but I don't believe it to be good enough. Unless things have changed since I last looked at it I don't think the work around works when it is being used as a payment gateway for an e-commerce site.

Unless Stripe provide a proper bank feed, you will probably be better off using a service like eWay (assuming you want to use it as a payment gateway for an ecommerce site). Yes you have to pay an annual fee but the time and headaches you save when reconciling is worth more than that. I'm sorry Stripe but you need the feedback. With eWay you get a bank feed and they pay the gross amount of the sale and deduct their fees from your bank account - thats why I moved across.

Roland Tan  

@David, I'm afraid I can't see any emails between you and Xero Support. I know you've already moved off Xero, but if you do ever decide to test out our functionality again, I know we'll be able to sort out any issues you have, we just need to know about them. If you contact Support, and mention 'Brittany from Community' it'll find it's way to me, where I can follow up. Cheers.

Brittany H (Community Manager)  

Absolute rubbish. Just wouldn't let me connect at all. All I got was a "sorry something went wrong message". Xero support was equally appalling. Decided not to upgrade from the free trial and look elsewhere.

David Gray  

Hi Jill! You may find the following resource helpful, which dives into how to create repeating invoices with Xero: https://help.xero.com/us/Accounts_RepeatingInvoice

Whitney — Support @ Stripe  

Well I have used STRIPE for about 12 month, give or take. I actually like Stripe and have had not problems with deposits, etc. I HAVE HEARD that if their is a LARGE deposit, then they will ask for information on the deposit. Now I can tell you from experience this is also done with PAYPAL and all other processing companies, including those your get directly from a BANK, etc. What I am looking for is XERO to automate auto billing for a customer that can hook into STRIPE. I have shut down my sqaure account and paypal account for various reasons of my own and again, no issues iwth stripe so far, but if anyone know a way to be able to put a customer on auto charge./bill with Xero and Stripe, PLEASE email me..would love to know the trick! Thanks again and the above was just my two cents! Bob@CarolinaGunClub.com

Jill O'Neill  

Hello Carlyn. We weren't able to locate your account using the information you listed here. We'd like to help look into what's going on with your payouts. Can you send us an email at support.stripe.com/email so we can investigate? Hope to hear from you soon.

Whitney — Support @ Stripe  

First payment in Stripe appeared in 2 days....last 5 happened on 19 Nov, now 24 Nov and no sign of the payments....don't think I'll be using Stripe any more.

Carlyn Bircher  

Hi Michael. We looked into your case and can see that you've resolved the issue via chat and email. We apologize again for the holdup but you're all set now!

Whitney — Support @ Stripe  

Im having a nightmare with Stripe so far. A payment was made to my account a month ago and it still hasnt been released. Has anyone else had similar issues?

Michael Wallace  

I am very happy with Stripe.
The two day turn around took us by surprise at first, but the solution is to simply be mindful of it.
I like that you can automatically charge the credit card surcharge to the customer.
The transactions are easily reconciled.
Bills have been getting paid on the day I send them out.
As mentioned by other users, I would for customers to be able to partially pay an invoice, or make payments towards their account. Even if there is a setting you can activate in the customer account details to allow partial payments.

Tanya Auer  

Hi Max K! We did some digging and it looks like this is definitely something you can do with Xero and Stripe. We suggest looking at this support article for steps on how to do so: https://help.xero.com/us/PaymentServices_StripeSetup-Invoice

Whitney — Support @ Stripe  

I wonder if there is a way to do the following:

Invoices are created directly with Xero. Once approved, invoice will be sent to stripe.com and stripe will charge the cc. Most of our clients have their CC info stored with us or stripe.com, so we dont want to bother the clients by entering everytime their cc info. Especially on the recurring payments/invoices.

I know that it is possible to do this scenario the other way around (e.g. via zapier) and that when you have a payment in stripe, it automatically creates a Xero invoice. But how about creating xero invoices first and then the stripe.com payment?

Any tool this can help in the above scenario?

Max K  

I'd like to see the amount paid after stripe fees to make reconciling easier. I still want to see the fee amount.

Currently, I subtract the fee from invoice total to make sure I'm reconciling the right payment to the invoice. Sometimes my invoice amounts are very close so I can't guess.

Janel Simms  

Ridiculous to take 7 days to pay out in Europe! I am in Ireland and Xero should look after the European users, such as teaming up with Elavon, they are one of the largest card processor, online and terminal base.

Stripe is also quite expensive, and definitely very slow to pay, holding up users' cash flow and makes it difficult to reconcile.

Naomi Moore  

@gillian Parkinson - fees are not the lowest in the industry but they are competitive for the amazing service they provide.
You can control your own payout schedule by going to payouts and then settings.
Xero reconciliation is possible - you just have to do an adjustment and add the cc fee. You can also use a service like the amazing Silversiphon and it does it automatically.

Arnold Smyth  

Fee's are high and I don't like how they control when you get paid out! Plus I didn't get notified the payment had come in and also, impossible to reconcile with Xero because of the fee!! will unlink when I get paid out next week.

Gillian Parkinson  

works well for us. decreased outstanding collection time-frame by half!

James Fleming  

Reasonably good, but a nightmare insofar as reconciling random Stripe payments. Very challenging at present and no help in sight. Am seriously considering an alternative.
Barry, Stamps Plus

Stampie Online  

@Marla and @Alan, I've taken a look and can't see that you've reached out to our Support team. There could be something that we can do our our end. Sorry for this experience otherwise! Certainly not what we want to hear, that payments are taking too long to come through.

Brittany H (Community Manager)  

Will be removing Stripe, was not able to reconcile the Stripe fee against the invoice. And not information on Xero's help. Also too long to receive payment.

Alan Lees  

I have been waiting 21 days for my payout from Stripe. They already received copies of my invoices (that was 17 days ago) and my customers payment is noted as "normal" risk and cleared the next day they paid 4/24/17 & 4/27/17. We are still waiting for payment today. There is no phone number to call and response from customer support is always the same. They have changed the payout date 4x in the last 2 weeks. WORST EXPERIENCE WITH A MERCHANT PROVIDER EVER!!!!

Marla DiCarlo  

So we use Stripe for monthly subscriptions, and Zapier to generate the invoice in Xero.

I'm still ironing out some of the processes but overall, we're happy. I think the process could be made simpler in some ways, hence 4 stars.

Elvira Sowden  

I didn't like that it gave the option to pay via stripe for old invoices as I incurred the fee and couldn't pass it on to the client. I like that the invoice is marked as paid immediately, that the fee is automated on my system as a spend money and that the client has a big pay now button.

Jane Brown  

We used for 2 payments. Both payments were charged a $46.50 processing fee!! Marked as paid which is a great function, but we still had to reconcile.

We didn't receive payment for 7 days, so ended up waiting 14 days for payment on 7 day invoices, with no recourse to go back to client as technically they had already paid in good faith.

Have removed from our invoices, would not recommend.

Michael Finn  

Has there been any word from Xero when the update will be released which will automatically add the processing fees to any Xero invoice when customers are trying to pay via Stripe?

Marie Hendren  

Removed it after 1 payment. Not liking how it operates on the whole, immediately reconciles without my approval. Customers shouldn't have to work out Stripes fees it should be automatically added to the total at payment time and I sure don't want to deal with Stripes inadequate processes. Waiting till the 20th of each month (up to 7 weeks) then having to wait again for cleared payments isn't fast enough. The 20th of each month is important I need the money cleared to pay subcontractors suppliers etc. Seemed like a good idea but they need to fix it first. There support isn't helpful you just get contact Xero. NOT recommended for now.

Matt Fahey  

One very big issue (although maybe unfair to blame this on stripe) is that despite me being charged 3% some of my Australian Clients are being charge 3% as a Foreign Transaction fee, even though we are billing them in AUD. ie in total 6% fees to process a transaction.

Thomas Riddell  

Deceitful. They make the setup process look very easy but after your first client pays you, they send you a whole heap more requests and they want me to scan and send my passport over the internet!!! They first said this was because my initial ID had failed authentication, this is a lie and they finally admitted that asking for more information later is there standard practice. I don't like dealing with liars. They also said the reason they keep the money for a week before forwarding is because of MY COUNTRY'S security policies. These Americans are strait up liars. don't deal with them.

Dom Hines  

I get the feeling that many of these reviews are from competing companies...
Since Xero introduced the Stripe fee reconciliation, I've found this a great tool to use (although automatically reconciling these entries would be even better - hence 4 stars).

I find it a little unfair that people are rating this integration is based on Stripe features and functionality. Yes, stripe takes a few days to move your money to your bank account, and yes Stripe has a transaction fee (so do all payment providers) but you know this when you sign up. The integrations' functionality and features have nothing to do with Stripes' functionality and features so it should (in my opinion) be rated with this in mind.

Keep up the good work (and by that I mean introduce more automation)!

Matthew Bingham  

Never worked. Couldn't receive payments.


NEVER WORKED!! Commerce SYNC which is needed never ran a sale.. Took $7 A month for 4 months after canceling! Have to do charge-back for refund. Save yourself the hassle go to PROPAY! works great..

Kevin Walls  

I found the rates reasonable but very disappointed in the 5 plus days before the payment hit our account. It also took about 5 minutes to download an authentication code to me phone and 'silly me' after 1 minute kept requesting another code as per the prompt which invildated the previous one. After 3 attempts i worked it our but not a 'good look' for an IT dependent business.

Ken Wortley  

Don't do it. Stripe charges you a fortune and doesn't release the funds to you for a week, so they collect interest and fees. Waste of time and money

James O'Kane  

Stripe is an awesome way of collecting payments from customers. It is effortless for us and the customer.

Patrick Barnes  

On receiving a payment through stipe for an invoice that was issued. When Xero received the money in it has automatically paid that invoice even though the difference between the Stripe payment and the invoice are different (due to the stipe fee), also the monies have appeared as received in the bank fee to be reconciled however there is no invoice to reconcile it against because it has automatically been put as paid. What do I do and how can this be adjusted to stop it in the future.

Joanne Hayley  

Worked as advertised. Easier than my previous system although shouldn't the transaction fees Stripe charges be automatically entered as a transaction in Xero ?

Mark Wickman  

Integration was simple, just wish Xero would automatically add the Stripe fees.

We also use WorkflowMax, a Xero product and this has no Stripe feature at all. As both products talk to each other it would beneficial for them to share Add-Ons.

David Spearing  

As a cake business it is critical that I offer credit card options which is why I added the payment services to my account, however I also require the ability for my customers to pay a deposit for their cakes and remainder on pickup/delivery it is the way all cake businesses run, I hope the ability to pay 50% is soon available

Sheila Aldred  

Stripe is a pain in the ass. Does not record transaction fees or sales tax. Have to download 2 or 3 reports just to get this info. Save your money and use someone else. Lousy service and support as well. They just don't seem to care.

Karen Atkinson  

$15.22c processing fee? yea right GFM. deleting stripe from my invoice payments immediately. much cheaper to pay rent on an eftpos machine and associated fee's. If I had of known it was going to be so steep I wouldn't of added it in the first place.

Lachlan Skinner  

We just recommended Skype to a client who has had a terrible experience. The first payment posted was roughly $25k. Stripe has held on to the funds for over a week now and requested so much information it would have been quicker to set up a standard merchant facility with an actual bank.

This is a large amount for the client, its completely messing with their cash flow and I can't find any numbers to call stripe on.

Has anyone else had this experience?

David Boyar  

Well this isnt good enough Xero and Stripe.
Last week I accepted the Xero prompt to join Stripe. Then it asked me to complete my registration which I didn't do as I then had changed my mind and decided I didnt want to offer CC payments to my clients and not be in Stripe. I kept receiving emails to complete my registration which I ignored. I then found out that it was appearing on my invoice so I had to delete Stripe from my XERO. In the meantime one of my customers have paid into Stripe by their Credit card. I cant receive the money as I havent registered. If i register then it will appear on my invoices and more clients will pay!! So now I cant access my money until I contact Stripe and ask for it back and there are no phone numbers or email to contact them.

Peta Van Heurck  

New Zealand isn't a selectable country when signing up for Stripe, their supported countries are here:

...this is a bit confusing. Why isn't NZ officially supported yet? And why is Xero pushing Stripe integration (I had a message with a video about it) when NZ isn't supported yet?

Sam Evans  

Hi guys, I'm new to Stripe and our clients pay their invoices via EFT currently and I am just wondering if there is an option to charge the clients the credit card payment fees?

Kristina Walsh  

Very confused - saw a Blog on new Stripe features in invoices 2 days ago and it suddenly disappeared (and the features aren't there). On a related note - can someone add Braintree integration to the set?

Rich Brandwein  

I was very happy to see that Xero used a payment service that I was familiar with, one that we already had an account and satisfactory service with. I think the reconciliation process for my Stripe payments in Xero is effortless. I am unsure whether this is due to our process of having an invoice in place first (I have seen many references as to the burden of having to create invoices to match to payments), but I have no problem accounting for the merchant fees at all. I wait until the payment shows up in my bank feed to reconcile. I can then use Find & Match to locate the gross invoice charged, mark it and then scroll to the bottom and use the adjustments box to account for my Stripe merchant fees. I literally can reconcile the transaction in seconds. I am pleased beyond words! We have just migrated from a basic accounting system that I loved, but were now in need of more robust reporting, accounting and classifying features. Xero incorporates many of the features I loved from the old, while giving me much of what I needed now as we have grown. Of, course no system is perfect, but I am enjoying what we can do with it so far.
VP of Ops/Co-owner, Reasonable Air, LLC

Reasonable Air LLC  

Same complaint as everyone else. Extremely frustrating that Xero hasn't addressed this. Just simply adding the Invoice Number to the Stripe payment would be very helpful.

Brian Wilson  

First of all, there is no bank feed supported (makes no sense at all), without a proper bank feed the fees and transfers also have to be manually recorded after I have to create a "statement" from Stripe. Tip: be sure you create a bank account for your stripe payments. You are not forced to do this by activating this payment method and you should be.

Second, multi-currency is a nightmare, Xero applies their own exchange rate and stripe applies their rate. I have undo/redo each payment in order to reconcile!

Third, Xero does not sync the invoice number to the stripe payment (Freshbooks does) so it is not straightforward determining which invoice was paid from the stripe statement. Add to that the difference in exchange rates....

I don't think you can legitimately call this an Add-on/integration... there is no value added to this and it is a massive time waster.

Charyl Denomy Lieder  

I put together a script designed to create the sales, fees and transfer transaction from Stripe in Xero. Using webhooks, this worker will be executed every time a successful charge is processed or a bank transaction is made by Stripe. https://github.com/guillegette/stripe-to-xero

Guillermo Gette  

Stripe is a very straightforward payment service. It does what it promises, no more and no less. Very easy to set up and connect to Xero. Light years ahead of services offered by other credit card processors in Ireland

Kevin Mitchell  

Have used with our billing system and worked very well. Great documentation

David Tuck  

So frustrating. It's breeze to setup - but there is no way to match payments to invoices.

Dan Brazelton  

I just wanted to state for those who are looking for a payment plan option that integrates with Xero, checkout Rerun. It is similar in that you are only charged when a card it actually processed. I have been using it and really like it. It also send you a notice if any credit cards expire on file. Also, you can run onetime payments in Rerun if needed, but it is mainly to help with those auto-payments.

As for Stipe. I use it and it is just okay. It would be nice if more details came into Xero, like the customer name or invoice number in the memo so that you can easily figure out who paid you. Or, at least receive a notification that someone paid you and have the details included in the email or notification in Xero.

Cassandra Bartunek  

I am a also disappointed in the integration of Stripe and Xero.

I like the customer experience of paying using Stripe, but on the bookkeeping side it creates a bit of a headache trying to reconcile. Extra work is created by the way payments show up in Xero. Only a net amount of various payments shows up in the Xero feed with the concept of "Stripe." There is no way to know whose payment has been received without opening up the stripe dashboard. Even though the integration marks the invoices as paid in Xero, in the reconciliation screen there is no way to sort the invoices between paid and unpaid.

There also doesn't seem to be much customer service.

Chad Folse  

I am very disappointed with Stripe. They connected me with a UK based business (I am in Canada) which is not related, and cut me off immediately and without warning. They then arbitrarily refunded several clients again without warning or permission, taking money out of my bank account and almost putting me into over-draft. When I asked why they were rude and unhelpful.They told me I would have to contact three months worth of clients to ask them for an alternative payment method. Imagine! Talk about casting us in a horrendous light in terms of customer service.

I would recommend NOT using them in the strongest possible terms.


David Anderson  

HI there, I have just integrated Stripe with Xero for handling direct payments from clients where they have not purchased online. We normally take a 40% deposit with balance prior to delivery of product. there is no option for partial payment though, so what is the best way around this please, does anyone know? Also, is a bridging app like Commerce sync recommended for supporting the Xero/Stripe relationship with better ease? thanks

Kura Perkins  

For those of you looking for a simple way to reconcile Stripe with Xero, PennyPipe syncs your charges, fees, and refunds every 5 minutes.

PennyPipe Support  

terrible service - no contact number - seems like a one man band! witheld over £10,000 of my money had to refund all my clients and ask them now to do bank transfer! since read all reviews and they are terrible - avoid at all costs!

kate Lovland  

xero need to integrate stripe, like they have paypal ... very poor form from Xero!! first time I have seen Xero stuff something so simple like this up

Peter Cain  

I've been researching solutions to the many issues mentioned above, for most of the day, in an earnest attempt to truly fall in love with XERO, once and for all.

Luckily, I've found two very viable solutions, which I'd like to share. And, I'd love to know if anyone has tried either of these.

First I want to say though, that I have to agree with Rob Tulloch's Aug 14, 2014 note describing Stripe as a Payment Service. And then I'm hearing echoes of the same from everyone else who, like me, really, really needs Stripe to function as a full XERO integration, or at the very least, as a bank feed, to have it make any sense for their businesses.

Anyway, I've found these two resources that appear to have made that integration available. The first one is currently free the second one is not, however the price is reasonable.

Both include, to some degree, mapping line items such as tips, etc. And, they both appear to do the basic things we all would expect like separate fees from revenue & aide in reconciliation, ect.

The two I've found are here:

I'll try them both & attempt to report back. But it seems I may have read farther up the review list a XERO rep comment that reviewers can only post once.

April Lane  

Not happy. info coming from stripe through commerce sync. waiting now for helpdesk to get back to me. waiting... waiting...

Clayton Frost  

We now have transactions sitting in the account that i have no idea how to reconcile because its not at all integrated!
Any advice? #nightmare

Adam Broadbent  

It's not actually integrated. Stripe is great on its own. Xero is B+ on its own. Together they're D-. It's just terrible:
- Doesn't push transactions
- Doesn't split fees from revenue
- Doesn't record invoice #s in Stripe.

Randall Lucas  

Why not pass along the invoice number to Stripe. There is no data to match your invoice with the transaction. They only things you can use to match payments are the following

Dollar amounts
Name and E-mail Address (if the customer used the same name and e-mail they provided for their xero account)

Daniel Croak  

For those interested in processing pre-authorised Credit Card charges using Stripe please check out uCollect. It automatically charges the credit card on the due date of the invoice in Xero. It costs as little as US$13/month.

Peter McCarroll  

Half of the power of Stripe is the ability to store customer cards and use them for either recurring payments or to offer to charge clients without them having to give their card details every time an invoice is to be paid.

I just came off of Wave, a free accounting software, that allowed me to store multiple cards for each customer and to take a payment for a customer that is automatically paired with an invoice. Stripe's fees were also recognised and categorised. All this through their Stripe integration...that I didn't have to pay for...

By comparison, Xero's Stripe integration is bare-bones.

Greg Stewart  

Perhaps the worse customer service experience of my life.

***If you are looking to have an actual conversation with an actual human being, this is not for you. They have no phone number, and boast about how great it is on the website.***

After using them for less than a month, processing a little over $10k in transactions, I received an automated email indicating that my account was going to be shutdown in a few days.

The email referenced a domain name that was not mine. I figured it to be a mistake. I emailed, three times and received no response.

Finally, three days later, I received a response. They apologized for getting the domain name wrong, and indicated that they would be steadfast on closing my account. No explanation as to why was given.

I asked for an explanation, and I was told that they could not provide one.

Save yourself the head ache, and choose a processor that cares about its merchants.

Sebastian A  

Are there any plans within Xero to integrate stripe, they are both amazing tools, but without integrations is a bit of a pain.

Martin Jarvis  

Really need the stripe import capability!

Aaron Shaw  

We are in the process of selecting accounting software and were very seriously considering Xero because of its "integration" with Stripe; however, it seems that it's not a complete integration.

Does anyone know if there is something in development to facilitate an automated feed from Stripe to Xero? If so, timeline?

to ri  

The integration is pretty weak, in my opinion. I can reconcile dozens of transactions in my PayPal account in 2 minutes. It takes me an hour to reconcile my checking account every month, because I have to have Stripe open in one window and Xero open in another, and I have to click back and forth to create transactions (these are un-invoiced transactions, for the most part), look up names, etc.

It's pretty inadequate. I'd like to see a full integration. Apparently the SquareSpace integration looks closer to what I'm hoping for (although creating invoices seems silly when there's no reason to have invoices, and it would probably just throw off our invoice numbering).

Sam Glover  

It is amazing except for the fact that there is no Stripe feed integration.
Not enough to make me stop using it but it does take up alot of my time.

Kate Hodges  

I have been checking out Zapier (an online system that creates all sort of links between otherwise unrelated programs). The good news is that there are Zaps in there that will solve some of my issues. The bad news is that all the zaps that link Stripe and Xero are one way - i.e. they can create an entry in Zero following an action in Stripe. That's great for me as I plan to use it to create invoices in Xero, every time I take an online payment - but I can see that doesn't help those who want to start with an existing Xero invoice.

I'll be testing what I need to do over the weekend and I'll report back.

Jon Hardey  

brittany, the link doesn't work.

Quickbooks Online has Stripe feed integration. Xero does not.
Xero forces customers to stop using Stripe's native invoicing, and switch to the Xero invoicing. This solution is not as good as the Stripe native integration.

But it sure takes a lot of reading through the help section and experimenting to make this clear.

If we want an automated Stripe feed into our accounting software, we'll have to leave Xero.

Ed Johnson  


The relevant (but non-obvious) way to get Stripe setup with Xero is that Stripe IS NOT a Xero add-on, but IS a Xero PAYMENT SERVICE.

So to set it up you do not go to the the Add-on page, instead you go to Settings > General Settings > Invoice Settings > Payment Services.

From that screen you will have the option to add a payment service and assign it to an Invoice Branding Theme.

Since I figured that out, Stripe has been processing cards for us with a smoother workflow and invoice presentation than I had been able to get from Square. And significantly better processing fees (for our typical transactions) too!

Rob Tulloch  

Please if you have any questions about the integration, move over to the Using Xero Add-ons page. You can either join an existing thread or start a new discussion. This thread is just meant for the review of our Add-on Partners - thanks!
Edit: have updated the Using Xero Add-ons link

Brittany H (Community Manager)  

If I have multiple brands or dbas can I have separate stripe accounts linked to xero and different payment links on the invoices depending on the brand?

Blake Heinemann  

Xero will not let me add stripe, anytime I am in the Add-On Gallery, it says I need to sign up for xero, to get the add on

Nate Frank  

Seems like it would work well, once the issues are resolved to integrate it with Xero. I don't feel that it can really be called an add on when it doesn't integrate. Perhaps a recommended service, but add-on implies that it combines with Xero in some way.

Jeremy Brown  

Agree with Amy Jarrett's ask above -- the ability to append a dynamic Credit Card fee equal to the fee charged by Stripe would be ideal

Ron Steslow  

Bump to Wojciech's question. What's the best way to reconcile invoices that are autogenerated with the lump transfers from Stripe?

Yaniv Tal  

as far as I understand this integration service requires me to issue an invoice (via Xero) first, and then send it to the customer so that they can pay. Is it possible to use the stripe API to perform the payment (on the website) and then have xero create invoice and reconcile it with payment?

Wojciech Ptak  

I have a lot of subscription billing. Many of my customers do not want to have to log in and pay their bill every month. I have these plans set up in Stripe but i don't know how to set them up and integrate them with Xero. How would i go about doing this?

Jeremy Wells  

We would love for the option to add the Stripe fee on top of the invoice if customers choose to pay using Stripe. At the moment, we have to send one invoice theme without Stripe included with a note saying "if you would like to pay by credit card please email us and we will send you another invoice". If a customer does want to pay by credit card, we have to void the first invoice in Xero because you cannot change the theme once it has been sent. We then create a new invoice with the Stripe theme and add a credit card fee and send to the customer. Would be great if this could all be handled automatically - for example - if customer chooses to pay on Stripe, it automatically adds the Stripe fee on to the invoice for payment by the customer.

Also agree with Tony Stewart's and Robert Tran's points above.

Amy Lockwood  

I've added Stripe integration a couple of weeks ago.
The setup process was a breeze, my customers now get a nice big green Pay Now button when viewing in.xero. I like that the payments are automatically posted to the invoice.

My small gripes are,
1. when the payment arrives 7 days later it's an aggregate of charges and fees. However, the Stripe fees aren't automatically recorded in Xero, so I have to add them manually in order to reconcile.
2. I thought about using Stripe's Webhooks https://manage.stripe.com/account/webhooks to do some magic in my web app. Stripe sends through the JSON object with the charge.payment info but in that I'm yet to find the invoice number, reference or UUID that will let me link back to the Xero invoice.

Tony Stewart  

I recently added Stripe integration, so that my customers can make payments online. Stripe automatically transfers the funds in a timely manner. But Stripe service quality aside, it appears that my customers only have the option of paying the full amount they are invoiced. This is a problem to customers who have arranged payment plans with us. So the workaround for now is to just create an invoice for each partial payment due. I would definitely like to see support for customers to enter in their own payment amounts.

Robert Tran