Xero integrations / Payments / Stripe
Stripe + Xero
ListedFacts verified 13 Nov 2026
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.
| Works with Xero plan | Not reported |
|---|---|
| Regions | AU, CA, IE, NZ, SG, UK, US |
| Syncs | 4 of 4 data types checked |
| Price | Usage fees, no monthly fee reported |
| Setup | Not reported |
| AI agents | Not reported |
| Facts last verified | 13 Nov 2026 |
| 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 |
What syncs between Stripe and Xero?
| Fact | Direction | Frequency | Detail | Source |
|---|---|---|---|---|
| Stripe pulls invoices from Xero. 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 | Xero → App | Not documented | - | [s1][s7] |
| Stripe sends payments to Xero. When a Stripe payout is imported, Xero matches payments to invoices using Stripe charge IDs and you confirm the suggested match | App → Xero | Not documented | - | [s1][s2] |
| Stripe sends fees and payouts to Xero. Payouts to your bank include Stripe fees, which are reconciled in Xero | App → Xero | Not documented | - | [s1][s2] |
| Stripe sends bank transactions to Xero. Through the Stripe bank feed; the direct feed imports transactions from the most recent payout only | App → Xero | Not documented | - | [s1][s2] |
What does Stripe not do with Xero?
- Automatic reconciliation needs an automatic payout schedule in Stripe. moderate [s2]
- Automatic reconciliation does not work when one Stripe account is linked to more than one Xero organisation. moderate [s2]
- Xero invoicing cannot be used with Stripe subscriptions; repeating invoices in Xero with Stripe selected are the alternative. moderate [s6]
- Invoices created in Stripe cannot be transferred to Xero. minor [s6]
- Stripe refunds and chargebacks must be entered by hand as credit notes in Xero before the payout can be reconciled. moderate [s8]
- Fees are only recorded automatically when the customer pays through Stripe on a Xero online invoice, not through another app or website. minor [s8]
- 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 [s7]
- Reconciling Stripe payments needs the Xero administrator or standard plus bank accounts user role. minor [s8]
- The Stripe direct feed imports transactions from the most recent payout only. minor [s2]
- Auto pay is only available on repeating invoice templates with the approved for sending status. minor [s1]
- The first Stripe payout may take 7 to 10 business days; later payouts take 2 to 3 business days. minor [s1]
How much does Stripe cost?
- 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). [s1]
- 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). [s3]
- Stripe's Card payments (US) plan charges 2.9% + US$0.30 per successful domestic card charge (no setup or monthly fee). [s4]
- 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). [s5]
| Plan | Billing |
|---|---|
| Card payments (UK) | per-transaction, 1.5% + 20p for standard UK cards and 2.5% + 20p for EU cards, no setup or monthly fee |
| Card payments (Australia) | per-transaction, 1.75% + A$0.30 for domestic cards and 3.5% + A$0.30 for international cards, no setup or monthly fee |
| Card payments (US) | per-transaction, 2.9% + US$0.30 per successful domestic card charge, no setup or monthly fee |
| Card payments (New Zealand) | per-transaction, 2.7% + NZ$0.30 for domestic cards and 3.7% + NZ$0.30 for international cards, no setup or monthly fee |
What do you need to use Stripe with Xero?
- Stripe works with Xero in AU, CA, IE, NZ, SG, UK and US. [s1]
- Stripe is listed in the official Xero marketplace. [s1]
- The Xero App Store listing also names Hong Kong, Malaysia and a Global region.
Is Stripe safe to connect to Xero?
Not reported. Stripe has not yet published connection-safety facts. Vendors can add them free.
Can AI agents use Stripe?
Not reported.
Where else does Stripe integrate?
How does Stripe compare?
Sources
- Stripe on the Xero App Store (UK) (marketplace listing, retrieved 13 Nov 2026)
- Stripe support: Payouts and reconciliation with Xero and Stripe (vendor docs, retrieved 13 Nov 2026)
- Stripe on the Xero App Store (Australia) (marketplace listing, retrieved 13 Nov 2026)
- Stripe on the Xero App Store (US) (marketplace listing, retrieved 13 Nov 2026)
- Stripe on the Xero App Store (New Zealand) (marketplace listing, retrieved 13 Nov 2026)
- Stripe support: Setting up your Xero account with Stripe (vendor docs, retrieved 13 Nov 2026)
- Xero Central: Connect Stripe to Xero (platform docs, retrieved 13 Nov 2026)
- Xero Central: Reconcile Stripe payments (platform docs, retrieved 13 Nov 2026)
Change log
- 13 Nov 2026: Record created from public sources (pilot batch)
Cite this page: Lode (trylode.io), "Stripe + Xero", facts verified 13 Nov 2026. https://trylode.io/xero/stripe/
Machine-readable: JSON. Spot an error? Send a correction.
Work at Stripe? Claim this page free to correct facts and add connection-safety details.
Machine-readable: JSON. Spot an error? Send a correction.
Work at Stripe? Claim this page free to correct facts and add connection-safety details.