Stripe + Xero

Connect Stripe to Xero - Automate Your Workflow

From charges to invoices, our custom Stripe to Xero integration maps your data precisely. Harvard-educated experts handle the build so your team stays focused on growth.

8+ hours/week

Saved weekly

100%

Payment matching

3 months

Post-launch support

One-way

Sync direction

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Why Connect Stripe to Xero?

Reporting across Stripe and Xero requires painful manual exports and spreadsheet merges

Customers in Stripe and contacts in Xero drift out of sync, leading to outdated details on invoices, emails, and reports

Invoice and payment data is re-entered between Stripe and Xero manually, doubling the work and risking GST errors at month-end

No single source of truth when contacts live in two disconnected tools, so staff second-guess which system has the correct information

Xero adds complexity: advanced reporting and custom financial reports are limited on lower plans - detailed management reporting often requires exporting to spreadsheets

New team members take longer to onboard because they must learn manual workarounds to keep Stripe and Xero aligned

Client engagement details in Stripe and time-tracking data in Xero do not align, making billing inaccurate

Manually copying data between Stripe and Xero wastes hours every week that could be spent on revenue-generating work

How We Help

Several dedicated Stripe-to-Xero apps exist, including Amaka and Stripe's own Xero integration. Amaka creates daily or monthly summary invoices (recommended for high-volume businesses to avoid cluttering Xero). For businesses processing fewer than 50 transactions per month, individual invoice creation via Make or Zapier works well. API rate limits: Stripe allows 100 requests per second. Xero allows 60 per minute and 5,000 per day. Key gotcha: Stripe payouts bundle multiple charges, refunds, and fees into a single bank deposit. Reconciling these requires decomposing each payout into its component transactions. Stripe processing fees for Australian businesses are typically 1.75% + $0.30 AUD for domestic cards and 2.9% + $0.30 for international cards. These fees must be recorded separately in Xero as an expense. Multi-currency handling is complex: if you charge in USD but receive AUD payouts, you need to account for the FX conversion in Xero.

Eliminate Manual Data Entry

Stop copying contacts between Stripe and Xero by hand. Our integration syncs data automatically, saving your team 8+ hours/week.

Amplify Stripe Strengths

Stripe excels because developer-first API design with excellent documentation makes Stripe the most integration-friendly payment platform available. Connecting it to Xero ensures that advantage flows through your entire workflow rather than staying siloed in one tool.

Faster Invoicing, Fewer Errors

Invoices flow between Stripe and Xero automatically with correct line items, GST rates, and payment terms. Month-end closes become predictable, and reconciliation discrepancies disappear.

Custom-Built for Your Workflow

Unlike generic connectors, we build integrations tailored to how your business actually uses Stripe and Xero. Custom field mappings, business rules, and error handling included.

Stripe to Xero Use Cases

Automatically create Xero invoices from Stripe payments

Every successful Stripe payment generates a matching Xero invoice marked as paid. Keeps your books up to date in real time without manual data entry. Especially valuable for SaaS businesses processing dozens of payments daily.

Reconcile Stripe payouts to Xero bank transactions

Stripe batches multiple payments into a single payout to your bank. This workflow creates a Xero bank transaction matching each payout, with line items showing the gross amount, fees, and refunds included in that payout.

Sync Stripe refunds as Xero credit notes

When a refund is processed in Stripe, automatically create a credit note in Xero and allocate it against the original invoice. Prevents manual credit note creation.

Data Mapping

How data flows between Stripe and Xero

Stripe	→	Xero	Notes
Stripe Charge → amount	→	Xero Invoice → LineItems[].UnitAmount	Stripe amounts are in cents. Divide by 100 for Xero.
Stripe Charge → description	→	Xero Invoice → LineItems[].Description	Falls back to the product name if charge description is null.
Stripe Customer → email	→	Xero Contact → EmailAddress	Primary key for contact matching.
Stripe Charge → id	→	Xero Invoice → Reference	Store the Stripe charge ID (e.g. ch_xxx) as the invoice reference for reconciliation.
Stripe Charge → currency	→	Xero Invoice → CurrencyCode	Stripe uses lowercase (aud). Xero uses uppercase (AUD).
Stripe Balance Transaction → fee	→	Xero Bank Transaction → LineItems[] (fees line)	Stripe processing fees (typically 1.75% + $0.30 for Australian cards). Record as a separate line item in Xero mapped to a "Payment Processing Fees" expense account.
Stripe Payout → id	→	Xero Bank Transaction → Reference	Links the Xero bank transaction to the Stripe payout for bank reconciliation.
Stripe Customer → address.country	→	Xero Invoice → LineItems[].TaxType	Australian customers: OUTPUT (GST). International customers: EXEMPTEXPORT (GST-free export).

Stripe + Xero Integration FAQ

Yes, we handle one-time historical data migrations alongside ongoing sync. We map your existing contacts, validate data quality, and run test migrations before the final cutover. Most migrations complete within 4-8 weeks depending on volume.

Yes. All data is transferred over encrypted connections (TLS/SSL). We follow least-privilege API access, never store credentials in plain text, and log all sync activity for audit purposes. For Australian businesses with compliance requirements, we can implement additional safeguards.

We use a combination of direct REST + Webhook API connections and automation platforms like Make, Zapier, or n8n, depending on your requirements and budget. For complex workflows, we build custom middleware. The right approach depends on your volume, sync frequency, and business rules.

By default, we configure Stripe to Xero as a one-way sync, but bi-directional sync is possible if your workflow requires it. We will assess the best approach during the discovery session.

Most Stripe to Xero integrations are completed within 2 weeks. We start with a discovery session to understand your specific workflow, then build and test the integration. Complex setups with custom business logic may take up to 4-8 weeks.

Absolutely. Custom field mapping is a core part of every integration we build. Whether it is custom properties in Stripe or user-defined fields in Xero, we map them precisely to your requirements. We can also transform data formats, apply business rules, and handle conditional mappings.

The most common data objects synced between Stripe and Xero include contacts, invoices. We map each data type to its counterpart in the target system, including custom fields, metadata, and relationship data. The exact scope is tailored to your workflow during the discovery session.