Setting up your Xero account with Stripe

How does the Stripe and Xero integration work?

You would set up a Stripe account through Xero and attach Stripe as a payment service to Xero invoices.

When you send an invoice with Stripe attached, your customer can pay using their credit card or other supported payment methods.

You can choose to cover the Stripe fees or pass them on to your customer (this is known as surcharging).

When the payment is made, Xero will automatically create a spend money transaction for the Stripe fee and mark the invoice as paid.

When Stripe transfers your money to your bank account, Xero will automatically find and match all the relevant payments and fees to complete a quick and easy reconciliation.

I have a Stripe account. How do I connect Stripe and Xero? Do I have to create a new account?

You will be able to connect Xero from your existing Stripe account. Make sure to set up your Stripe account and Xero organization to the correct countries, as you are not able to change these after submission.

To connect your existing Stripe account from the Payment Services Screen within Xero:

  1. Make sure you are logged in to Stripe.

  2. In Xero, go to Settings > Payment Services > Add Payment Service > select Stripe.

  3. Fill in the details in the pop-up (name, credit card logos, payment account, fees).

  4. Click Connect to Stripe. You will now be led to the Stripe interface.

  5. Select the correct Stripe account you want this Xero organization to be connected to in the dropdown, next to Switch account.

  6. Click Connect my Stripe account to complete the connection.

The following article provides more details: https://central.xero.com/s/article/Stripe#AddStripefromthePaymentServicesscreen

Alternatively, you can refer to this article if you wish to connect an existing Stripe account from an approved invoice: https://central.xero.com/s/article/Stripe#AddStripeasapaymentservicefromanapprovedinvoice

I do not have a Stripe account. How do I use Stripe with Xero?

From your Xero account:

  1. Head to the Organization Menu > Settings > Payment Services > Add Payment Service > select Stripe.

  2. Fill in the details in the pop-up (name, credit card logos, payment account, fees). If you have multiple Stripe accounts, we recommend entering the same Stripe account name to the “Name” field in this Xero popup to make it clearer which Stripe account you have connected.  

  3. Click Connect to Stripe. You will now be led to the Stripe interface.

  4. On the top right corner of the page, click Sign up.

  5. Fill in the form to activate your Stripe account. Select the correct country from the dropdown, as you are not able to change the country of your Stripe account once you have submitted this form.

  6. Click Authorize access to this account to complete the connection.

The following article provides more details: https://central.xero.com/s/article/Stripe#AddStripefromthePaymentServicesscree

Alternatively, please refer to this article if you wish to connect to a new Stripe account from an approved invoice: https://central.xero.com/s/article/Stripe#AddStripeasapaymentservicefromanapprovedinvoice

When I create an invoice in Xero, I then have to go to Stripe and request the payment. How can I do this automatically when creating an invoice in Xero?

This can happen if your Stripe account is not fully set up and connected

If you have one Stripe account, make sure it has been connected successfully to Xero. In Settings > Payment Services, if there is (pending authentication) next to Stripe, this means that your Stripe account has not been fully set up and connected. Click Edit > Service details and follow the steps to complete your application.

If you have multiple Stripe accounts, make sure you have connected the correct Stripe account to your organization in Xero.

I have set up my account in the wrong country. How can I disconnect Stripe?

To disconnect the Stripe account you set up from Xero, go to Settings > Payment Services > Stripe > Remove.

This also removes it from any invoice branding theme it has been applied to in Xero and therefore, deletes the payment link from the online invoice that uses that branding theme.

I have set up subscriptions in Stripe. Is there a way to set up invoices in Xero and link to my subscriptions in Stripe?

Xero invoicing cannot be used with Stripe subscriptions at this. If you have set up subscriptions in Stripe, the invoices will also have to be handled from within Stripe.

Alternatively, you can also handle subscriptions from Xero by setting up repeating invoices for your customer contacts, and select Stripe as the chosen payment service.  

Can I transfer invoices created in Stripe to Xero?

No; there is currently no integration between Stripe invoices and Xero.