If you connect payment gateways like Stripe, PayPal, or GoCardless to your Xero invoices so customers can pay online, you will pay standard transaction fees (e.g., 1.5% to 3% per transaction) to those payment processors.
The Fees and Write On/Off Report is the primary tool for analyzing these adjustments:
She learned the final lesson that day: The base latte is $4. But each extra shot, syrup, and alternative milk—each user or add-on—adds a small charge. Before you know it, you’re paying $9.
Additional fees apply for:
Xero’s fees work on a :
: New customers can often find "90% off for 3–6 months" introductory offers. Nonprofit Discount : Registered charities can receive a 25% ongoing discount Regional Differences
In the UK, fees are £1.50 per additional employee per month. xero fees work
Xero's base subscription fees are just the beginning. Let's explore all the different costs that could apply to your business.
Xero uses tiered subscription plans to match different business needs. While exact plan names and pricing change by country and over time, common distinctions are:
If you are paying full price for Xero, ask your bookkeeper if they are a partner. They might be able to switch you to a discounted plan immediately. If you connect payment gateways like Stripe, PayPal,
Xero Payroll allows you to calculate pay, automate tax filings, and pay employees.
If you connect Stripe, PayPal, or GoCardless to your Xero invoices so clients can pay you instantly via credit card or direct debit, you will pay standard transaction fees to those processors.
Xero adjusts its pricing based on the region where your business is registered (e.g., US, UK, Australia, Canada, or New Zealand). Local sales taxes, such as GST or VAT, are typically not included in the advertised price and will be added to your final monthly invoice. The Pricing Impact of Add-Ons Before you know it, you’re paying $9
Xero frequently offers 50% discounts for the first 3–6 months for new subscribers.
