Xero Online Payments Fee Calculator
Calculate exact processing fees for Stripe Credit Cards (2.90% + 30¢) and GoCardless ACH Direct Debit ($5.00 Cap) on Xero online invoices.
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Xero Online Invoice Fee Breakdown by Volume
Compare GoCardless Direct Debit (1% max $5 cap) against Stripe Credit Cards (2.90% + 30¢) and International Cards.
| Invoice Amount | GoCardless Direct Debit ($5 Cap) | Stripe Card (2.9% + 30¢) | Intl Card (4.4% + 30¢) | Direct Debit Savings |
|---|---|---|---|---|
| $500 | $5.00 | $14.80 | $22.30 | +$9.80 |
| $1,000 | $5.00 | $29.30 | $44.30 | +$24.30 |
| $2,500 | $5.00 | $72.80 | $110.30 | +$67.80 |
| $5,000 | $5.00 | $145.30 | $220.30 | +$140.30 |
| $10,000 | $5.00 | $290.30 | $440.30 | +$285.30 |
| $25,000 | $5.00 | $725.30 | $1100.30 | +$720.30 |
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Frequently Asked Questions
What are payment processing options and fees inside Xero in 2026? ▼
Xero integrates with Stripe (2.9% + $0.30 for credit cards) and GoCardless (1.0% capped at $5.00 for ACH direct debits) to enable 'Pay Now' buttons directly on digital PDF invoices.
How does GoCardless ACH integration in Xero save money on B2B invoices? ▼
GoCardless charges 1.0% with an absolute maximum fee cap of $5.00 per direct debit. On a $10,000 consulting invoice, credit card processing costs $290.30, while GoCardless costs only $5.00, saving $285.30 per invoice.
How does Xero automate invoice payment reconciliation? ▼
When a client pays an online invoice, Xero automatically matches the bank feed deposit, marks the sales invoice as paid, and creates an expense line for the payment processor's transaction fee.
What is the Gross-Up formula for Xero invoices paid via Stripe? ▼
To ensure you receive an exact $1,000 net payment after Stripe's 2.9% + $0.30 fee: Gross Invoice = ($1,000 + $0.30) / (1 - 0.029) = $1,030.18. Invoicing $1,030.18 guarantees full net earnings.
Can Xero send automated late payment reminders to overdue clients? ▼
Yes. Xero includes customizable automated payment reminder emails triggered at set intervals (e.g. 7, 14, or 21 days overdue), reducing average Days Sales Outstanding (DSO) by over 30%.
How does Xero handle multi-currency payments and unrealized FX gains/losses? ▼
Xero's multi-currency functionality updates hourly interbank exchange rates, automatically calculating and reporting realized and unrealized currency gains/losses on foreign currency invoices.
What are payout settlement timelines for invoices paid in Xero? ▼
Card payments processed through Stripe settle into your business bank account on a 2-day rolling basis. GoCardless direct debits typically settle within 3 to 4 business days.
Does Xero charge extra per-transaction fees on top of Stripe and GoCardless? ▼
No. Xero does not take an additional cut of payment processing fees. Merchants pay standard rates directly to their connected payment partner (Stripe or GoCardless).