{
  "id": "stripe--xero",
  "schema_version": "1.2",
  "app": {
    "slug": "stripe",
    "name": "Stripe",
    "vendor": "Stripe",
    "website": "https://stripe.com",
    "categories": [
      "payments"
    ],
    "owned_by_platform": false
  },
  "ecosystem": "xero",
  "connection": {
    "built_by": "ecosystem-owner",
    "method": "mixed",
    "marketplace_listing_url": "https://apps.xero.com/uk/app/stripe",
    "setup_docs_url": "https://support.stripe.com/questions/setting-up-your-xero-account-with-stripe",
    "certified_by_ecosystem": {
      "value": true,
      "src": [
        "s1"
      ]
    },
    "connector_name": "Stripe payment service in Xero"
  },
  "sync": [
    {
      "object": "invoices",
      "direction": "ecosystem-to-app",
      "notes": "Customers pay online invoices sent from Xero by card, Apple Pay or Google Pay, in over 135 currencies; they do not need a Stripe account",
      "src": [
        "s1",
        "s7"
      ]
    },
    {
      "object": "payments",
      "direction": "app-to-ecosystem",
      "notes": "When a Stripe payout is imported, Xero matches payments to invoices using Stripe charge IDs and you confirm the suggested match",
      "src": [
        "s1",
        "s2"
      ]
    },
    {
      "object": "fees-payouts",
      "direction": "app-to-ecosystem",
      "notes": "Payouts to your bank include Stripe fees, which are reconciled in Xero",
      "src": [
        "s1",
        "s2"
      ]
    },
    {
      "object": "bank-transactions",
      "direction": "app-to-ecosystem",
      "notes": "Through the Stripe bank feed; the direct feed imports transactions from the most recent payout only",
      "src": [
        "s1",
        "s2"
      ]
    }
  ],
  "pricing": {
    "model": "usage-based",
    "plans": [
      {
        "name": "Card payments (UK)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "1.5% + 20p for standard UK cards and 2.5% + 20p for EU cards",
        "per": "no setup or monthly fee",
        "src": [
          "s1"
        ]
      },
      {
        "name": "Card payments (Australia)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "1.75% + A$0.30 for domestic cards and 3.5% + A$0.30 for international cards",
        "per": "no setup or monthly fee",
        "src": [
          "s3"
        ]
      },
      {
        "name": "Card payments (US)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "2.9% + US$0.30 per successful domestic card charge",
        "per": "no setup or monthly fee",
        "src": [
          "s4"
        ]
      },
      {
        "name": "Card payments (New Zealand)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "2.7% + NZ$0.30 for domestic cards and 3.7% + NZ$0.30 for international cards",
        "per": "no setup or monthly fee",
        "src": [
          "s5"
        ]
      }
    ]
  },
  "regions": {
    "supported": [
      "AU",
      "CA",
      "IE",
      "NZ",
      "SG",
      "UK",
      "US"
    ],
    "basis": "stated",
    "regional_notes": {
      "GLOBAL": "The Xero App Store listing also names Hong Kong, Malaysia and a Global region"
    },
    "src": [
      "s1"
    ]
  },
  "requirements": {
    "ecosystem_plan_min": "unknown",
    "ecosystem_features_required": [],
    "src": [
      "s1"
    ]
  },
  "limitations": [
    {
      "summary": "Automatic reconciliation needs an automatic payout schedule in Stripe",
      "severity": "moderate",
      "src": [
        "s2"
      ]
    },
    {
      "summary": "Automatic reconciliation does not work when one Stripe account is linked to more than one Xero organisation",
      "severity": "moderate",
      "src": [
        "s2"
      ]
    },
    {
      "summary": "Xero invoicing cannot be used with Stripe subscriptions; repeating invoices in Xero with Stripe selected are the alternative",
      "severity": "moderate",
      "src": [
        "s6"
      ]
    },
    {
      "summary": "Invoices created in Stripe cannot be transferred to Xero",
      "severity": "minor",
      "src": [
        "s6"
      ]
    },
    {
      "summary": "Stripe refunds and chargebacks must be entered by hand as credit notes in Xero before the payout can be reconciled",
      "severity": "moderate",
      "src": [
        "s8"
      ]
    },
    {
      "summary": "Fees are only recorded automatically when the customer pays through Stripe on a Xero online invoice, not through another app or website",
      "severity": "minor",
      "src": [
        "s8"
      ]
    },
    {
      "summary": "Customers who choose to pay in their own currency are charged a 2% to 4% conversion fee by Stripe; your payout stays in the invoice currency",
      "severity": "minor",
      "src": [
        "s7"
      ]
    },
    {
      "summary": "Reconciling Stripe payments needs the Xero administrator or standard plus bank accounts user role",
      "severity": "minor",
      "src": [
        "s8"
      ]
    },
    {
      "summary": "The Stripe direct feed imports transactions from the most recent payout only",
      "severity": "minor",
      "src": [
        "s2"
      ]
    },
    {
      "summary": "Auto pay is only available on repeating invoice templates with the approved for sending status",
      "severity": "minor",
      "src": [
        "s1"
      ]
    },
    {
      "summary": "The first Stripe payout may take 7 to 10 business days; later payouts take 2 to 3 business days",
      "severity": "minor",
      "src": [
        "s1"
      ]
    }
  ],
  "alternatives": [],
  "editorial": {
    "answer_summary": "Stripe connects to Xero as a payment service built by Xero: customers pay online invoices by card, and Xero matches payments and fees when each Stripe payout arrives. Automatic matching needs an automatic payout schedule and one Xero organisation per Stripe account.",
    "best_for": [
      "Businesses that send online invoices from Xero and want card payment on them"
    ],
    "not_ideal_for": [
      "Businesses that link one Stripe account to several Xero organisations",
      "Businesses billing through Stripe subscriptions"
    ]
  },
  "profile": {
    "status": "listed"
  },
  "sources": [
    {
      "id": "s1",
      "url": "https://apps.xero.com/uk/app/stripe",
      "title": "Stripe on the Xero App Store (UK)",
      "type": "marketplace-listing",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s2",
      "url": "https://support.stripe.com/questions/payouts-and-reconciliation-with-xero-and-stripe",
      "title": "Stripe support: Payouts and reconciliation with Xero and Stripe",
      "type": "vendor-docs",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s3",
      "url": "https://apps.xero.com/au/app/stripe",
      "title": "Stripe on the Xero App Store (Australia)",
      "type": "marketplace-listing",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s4",
      "url": "https://apps.xero.com/us/app/stripe",
      "title": "Stripe on the Xero App Store (US)",
      "type": "marketplace-listing",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s5",
      "url": "https://apps.xero.com/nz/app/stripe",
      "title": "Stripe on the Xero App Store (New Zealand)",
      "type": "marketplace-listing",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s6",
      "url": "https://support.stripe.com/questions/setting-up-your-xero-account-with-stripe",
      "title": "Stripe support: Setting up your Xero account with Stripe",
      "type": "vendor-docs",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s7",
      "url": "https://central.xero.com/s/article/Stripe",
      "title": "Xero Central: Connect Stripe to Xero",
      "type": "platform-docs",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s8",
      "url": "https://central.xero.com/s/article/Reconcile-Stripe-payments",
      "title": "Xero Central: Reconcile Stripe payments",
      "type": "platform-docs",
      "retrieved_at": "2026-11-13T05:30:00Z"
    }
  ],
  "verification": {
    "status": "verified",
    "last_verified": "2026-11-13",
    "verified_by": [
      "research-agent",
      "verifier-agent"
    ],
    "open_flags": []
  },
  "publishing": {
    "state": "live",
    "batch": "2026-W46",
    "approved": "2026-11-14"
  },
  "changelog": [
    {
      "date": "2026-11-13",
      "change": "Record created from public sources (pilot batch)"
    }
  ],
  "vendor": {
    "id": "stripe",
    "name": "Stripe",
    "api": "https://trylode.io/api/vendors/stripe.json"
  },
  "url": "https://trylode.io/xero/stripe/",
  "facts": [
    {
      "id": "sync-invoices",
      "topic": "sync",
      "statement": "Stripe pulls invoices from Xero.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1",
        "s7"
      ],
      "url": "https://trylode.io/xero/stripe/#sync-invoices"
    },
    {
      "id": "sync-payments",
      "topic": "sync",
      "statement": "Stripe sends payments to Xero.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1",
        "s2"
      ],
      "url": "https://trylode.io/xero/stripe/#sync-payments"
    },
    {
      "id": "sync-fees-payouts",
      "topic": "sync",
      "statement": "Stripe sends fees and payouts to Xero.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1",
        "s2"
      ],
      "url": "https://trylode.io/xero/stripe/#sync-fees-payouts"
    },
    {
      "id": "sync-bank-transactions",
      "topic": "sync",
      "statement": "Stripe sends bank transactions to Xero.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1",
        "s2"
      ],
      "url": "https://trylode.io/xero/stripe/#sync-bank-transactions"
    },
    {
      "id": "price-card-payments-uk",
      "topic": "pricing",
      "statement": "Stripe's Card payments (UK) plan charges 1.5% + 20p for standard UK cards and 2.5% + 20p for EU cards (no setup or monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/stripe/#price-card-payments-uk"
    },
    {
      "id": "price-card-payments-australia",
      "topic": "pricing",
      "statement": "Stripe's Card payments (Australia) plan charges 1.75% + A$0.30 for domestic cards and 3.5% + A$0.30 for international cards (no setup or monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s3"
      ],
      "url": "https://trylode.io/xero/stripe/#price-card-payments-australia"
    },
    {
      "id": "price-card-payments-us",
      "topic": "pricing",
      "statement": "Stripe's Card payments (US) plan charges 2.9% + US$0.30 per successful domestic card charge (no setup or monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s4"
      ],
      "url": "https://trylode.io/xero/stripe/#price-card-payments-us"
    },
    {
      "id": "price-card-payments-new-zealand",
      "topic": "pricing",
      "statement": "Stripe's Card payments (New Zealand) plan charges 2.7% + NZ$0.30 for domestic cards and 3.7% + NZ$0.30 for international cards (no setup or monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s5"
      ],
      "url": "https://trylode.io/xero/stripe/#price-card-payments-new-zealand"
    },
    {
      "id": "regions",
      "topic": "regions",
      "statement": "Stripe works with Xero in AU, CA, IE, NZ, SG, UK and US.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/stripe/#regions"
    },
    {
      "id": "marketplace-listed",
      "topic": "trust",
      "statement": "Stripe is listed in the official Xero marketplace.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/stripe/#marketplace-listed"
    },
    {
      "id": "limitation-1",
      "topic": "limitation",
      "statement": "Automatic reconciliation needs an automatic payout schedule in Stripe.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s2"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-1"
    },
    {
      "id": "limitation-2",
      "topic": "limitation",
      "statement": "Automatic reconciliation does not work when one Stripe account is linked to more than one Xero organisation.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s2"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-2"
    },
    {
      "id": "limitation-3",
      "topic": "limitation",
      "statement": "Xero invoicing cannot be used with Stripe subscriptions; repeating invoices in Xero with Stripe selected are the alternative.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s6"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-3"
    },
    {
      "id": "limitation-4",
      "topic": "limitation",
      "statement": "Invoices created in Stripe cannot be transferred to Xero.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s6"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-4"
    },
    {
      "id": "limitation-5",
      "topic": "limitation",
      "statement": "Stripe refunds and chargebacks must be entered by hand as credit notes in Xero before the payout can be reconciled.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s8"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-5"
    },
    {
      "id": "limitation-6",
      "topic": "limitation",
      "statement": "Fees are only recorded automatically when the customer pays through Stripe on a Xero online invoice, not through another app or website.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s8"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-6"
    },
    {
      "id": "limitation-7",
      "topic": "limitation",
      "statement": "Customers who choose to pay in their own currency are charged a 2% to 4% conversion fee by Stripe; your payout stays in the invoice currency.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s7"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-7"
    },
    {
      "id": "limitation-8",
      "topic": "limitation",
      "statement": "Reconciling Stripe payments needs the Xero administrator or standard plus bank accounts user role.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s8"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-8"
    },
    {
      "id": "limitation-9",
      "topic": "limitation",
      "statement": "The Stripe direct feed imports transactions from the most recent payout only.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s2"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-9"
    },
    {
      "id": "limitation-10",
      "topic": "limitation",
      "statement": "Auto pay is only available on repeating invoice templates with the approved for sending status.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-10"
    },
    {
      "id": "limitation-11",
      "topic": "limitation",
      "statement": "The first Stripe payout may take 7 to 10 business days; later payouts take 2 to 3 business days.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/stripe/#limitation-11"
    }
  ],
  "cite_as": "Lode (trylode.io), Stripe + Xero, verified 2026-11-13",
  "lode": {
    "publish_state": "live",
    "stale": false,
    "completeness": 0.7
  }
}