Addison Lee
Transportation · United Kingdom · Mid-Market
- Cost Reduction
- 70%
- Cost Reduction
- Annual Bookings
- £7 million
- Annual Bookings
- Transaction Time
- 48 seconds
- Transaction Time
Payment Processing for Xero
Updated July 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral — no vendor pays for placement or ranking.
3 payment processing products in our registry work with Xero, including Chargezoom, NMI, GoCardless. Card, ACH and digital wallet payment acceptance integrated into the ERP. The strongest signal when shortlisting is a Xero App Store listing (Xero app partner) — verify it on the Xero App Store (apps.xero.com) before you buy.
Compare payment processing for Xero: 3 options
| Product | Best for | Pricing | Deployment |
|---|---|---|---|
| AI-driven AR automation and payment processing with two-w… | Free (2.9% + $0.30 per card transaction, $0.50 per ACH transaction); Plus from $95/mo; Enterprise from $995/mo | Cloud | |
| SMB / Mid-market / Enterprise | Quote-based | Cloud | |
| SMB / Mid-market / Enterprise | Standard: 0.5% + $0.05 per domestic transaction (capped at $5); international 1.5% + $0.05 | Cloud |
Card, ACH and digital wallet payment acceptance integrated into the ERP. Running it alongside Xero narrows the field: integration depth varies widely, and a product that excels on another ERP can be a weak fit here.
This page compares the 3 options our registry matches to Xero, side by side and vendor-neutrally — no one pays for placement. Each links to a full profile with features, integrations, pricing and alternatives.
All payment processing for Xero options
QuickBooks
NetSuiteXero
Sage Intacct+4
NetSuiteXeroSage Intacct+4QuickBooksXero
XeroQuickBooksSage
Acumatica+5
SageAcumatica+5Payment Processing customer stories
Customer stories from the vendors compared above, summarised from their published case studies.
Coastal Pay
Technology · United States · SMB
- Iso Partners
- 700+
- Iso Partners
- Deal Volume Growth
- 2x
- Deal Volume Growth
- Revenue Growth Yoy
- 70%
- Revenue Growth Yoy
Everyware
Technology · United States · SMB
- New Timeline
- less than 6 hours
- New Timeline
- Time Reduction
- 93%
- Time Reduction
- Previous Timeline
- 1-4 days
- Previous Timeline
FLO Business Solutions
Technology · United States · SMB
- Operating Years
- 4+
- Operating Years
- Merchants Served
- 8,000+
- Merchants Served
International Payment Solutions (IPS)
Technology · United States · Mid-Market
- Onboarding Timeline
- 48 hours
- Onboarding Timeline
- Processor Integrations
- 150+
- Processor Integrations
Canyon Payments
Technology · United States · SMB
- Tap to Pay adoption exceeds 75%
- Support for SMBs without native payment capabilities
- One platform for merchants, ISOs, and software companies
Summarised from each vendor's published customer stories. Figures are the vendor's own claims, not independently verified by ERP Research. Browse all add-on case studies →
Free PDF · Vendor-neutral · No sales calls
The Payment Processing Buyer's Guide
A vendor-neutral shortlisting guide to payment processing: how the 3 systems we track compare on capability, what to check before you sign, and the questions that separate a good fit from an expensive one.
Payment Processing Buyer's Guide
3 systems compared · 2026
ERP Research
- Side-by-side capability comparison of 3 payment processing systems
- ERP integration checklist — what to verify before you shortlist
- Pricing questions to put to every vendor
- Requirements checklist you can hand to your team
Free Download
Payment Processing Buyer's Guide
What does payment processing cost?
Vendors in this category publish too little pricing detail for us to quote a range. These are the questions that decide what you end up paying.
1 of the 3 vendors we track in this category publish no list price at all.
Popular Payment Processing comparisons
How to choose payment processing for Xero
- 1
Write down your requirements before any demo
List the specific payment processing outcomes you need — volumes, workflows, countries, systems in the loop — and rank them. Vendor demos are optimised to reframe your requirements around their strengths; a written list keeps the evaluation yours.
- 2
Verify Xero integration depth, not existence
Every vendor here “integrates with Xero” — the differences are in depth. Ask each to demo the integration against a realistic Xero configuration: your entity structure, your fields, your transaction volumes, and what happens when a sync fails.
- 3
Check certification and marketplace status
Look for a Xero App Store listing (Xero app partner) and a current listing on the Xero App Store (apps.xero.com). Certification doesn't guarantee fit, but it confirms the vendor keeps pace with Xero releases — uncertified integrations are where upgrade breakage concentrates.
- 4
Reference-check companies that look like yours
Ask for two reference customers on Xero at your size and in your industry, and ask them what broke in the first year. Implementation quality varies more than product quality in the payment processing category.
- 5
Model total cost over three years
Compare subscription plus implementation plus internal effort — not headline price. Payment processing for Xero pricing models differ (per user, per volume, per entity), so normalise every quote to your actual usage before comparing.
Frequently asked questions
Which payment processing options work with Xero?
Our registry currently matches 3 products: Chargezoom, NMI, GoCardless. Each profile documents how the Xero connection works and what it syncs.
How do these products connect to Xero?
Patterns vary from native marketplace apps to API connectors and iPaaS platforms. The most reliable signal is a Xero App Store listing (Xero app partner); check the Xero App Store (apps.xero.com) to verify a vendor's current listing and supported versions.
How should we shortlist payment processing for Xero?
Start from the integration: confirm the vendor supports your Xero edition and the records you need synced, then compare functional depth and pricing on the profiles here. Ask every vendor for reference customers running Xero — not just any customer.
Which payment processing for Xero options does this directory compare?
This comparison currently covers 3 options that work with Xero, including Chargezoom, NMI, GoCardless. Each links to a detailed profile with features, integrations, pricing and alternatives, and the directory is updated as the market changes.
Related guides
Get pricing for payment processing for Xero on Xero
Most vendors here quote rather than publish. Tell us your Xero version, seat count and must-haves and we'll come back with an independent view of what it should cost — and which options are worth quoting against each other.