Xero integrations / Compare
GoCardless vs Stripe for Xero
Where do they differ?
- GoCardless syncs payments with Xero in both directions. Stripe sends payments to Xero.
- Setup: GoCardless takes about Not reported; Stripe takes about Not reported.
Side by side
| GoCardless | Stripe | |
|---|---|---|
| Invoices | From Xero | From Xero |
| Payments | Two-way | To Xero |
| Fees and payouts | To Xero | To Xero |
| Bank transactions | To Xero | To Xero |
| Contacts | Two-way | - |
| Price from (GBP) | Usage fees | Usage fees |
| Price from (AUD) | Usage fees | Usage fees |
| Price from (USD) | Usage fees | Usage fees |
| Price from (NZD) | Usage fees | Usage fees |
| Regions | AU, CA, IE, NZ, UK, US | AU, CA, IE, NZ, SG, UK, US |
| Minimum Xero plan | unknown | unknown |
| Setup | Not reported | Not reported |
| Known limitations | UK Direct Debit transactions over £2,000 cost an extra 0.3% on every GoCardless plan (minor) There are two versions of the integration, GoCardless for Xero and GoCardless in Xero, with different features; switching needs GoCardless support (minor) Automatic retries of failed payments (Success+) are only available for Direct Debit invoices (minor) Payments created from Xero should not be cancelled in the GoCardless dashboard, or Xero may recreate them (minor) | Automatic reconciliation needs an automatic payout schedule in Stripe (moderate) Automatic reconciliation does not work when one Stripe account is linked to more than one Xero organisation (moderate) Xero invoicing cannot be used with Stripe subscriptions; repeating invoices in Xero with Stripe selected are the alternative (moderate) Invoices created in Stripe cannot be transferred to Xero (minor) Stripe refunds and chargebacks must be entered by hand as credit notes in Xero before the payout can be reconciled (moderate) Fees are only recorded automatically when the customer pays through Stripe on a Xero online invoice, not through another app or website (minor) 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 (minor) Reconciling Stripe payments needs the Xero administrator or standard plus bank accounts user role (minor) The Stripe direct feed imports transactions from the most recent payout only (minor) Auto pay is only available on repeating invoice templates with the approved for sending status (minor) The first Stripe payout may take 7 to 10 business days; later payouts take 2 to 3 business days (minor) |
| Vendor status | Listed | Listed |
| Facts verified | 13 Nov 2026 | 13 Nov 2026 |
No winner is declared: which is better depends on what you need. Every fact links to its sources on each app's page.