·Introduction

·These are your legal rights and obligations, so please read everything. If you connect to, or use, a payments service that's listed in these terms with your Xero organisation, these terms apply to you and your invited users. If you're the subscriber, you're responsible for all your invited users' activity, including where they add a payments service to your Xero organisation

·As part of using these payments services, you'll have access to payment processing services - these are third-party products provided by the payments partners listed in these terms.

·These terms incorporate, and are in addition to, the Xero terms of use that apply to your use of our services generally.

·In these terms, we also use some words that are defined in our terms of use (like 'subscription' and 'personal data') - check out the definitions for those words in our terms of use.

·This introduction, the liability and indemnity section and the general terms below apply to all payments services listed in these terms. There are also specific terms that apply to individual payments services:

·If you still have questions or comments after you've read these terms, please go to Xero Central to get in touch. We'd love to help.

·Last updated on 15 May 2026. The updates include new terms for payments with Airwallex in Australia and for pay by bank in New Zealand. The updates are effective immediately for all new users of the payments services listed in these terms.

·Download current PDF | See archived versions

·Payments with Stripe

11. Application: If you are located in Australia, Canada, New Zealand, the United Kingdom or the United States and you connect Stripe to your Xero organisation (so you can accept online payments from customers through your Xero invoices), these terms apply to you and your invited users.

22. Xero and Stripe: When we say Xero, we, our or us, we're talking about Xero, Inc. (even if, under our terms of use, you contract with another Xero entity for your subscription generally). When we say Stripe in these terms, we're talking about the Stripe entity listed in the Stripe Connected Account Agreement for your location.

33. Agreement to Stripe's terms: When you connect Stripe to your Xero organisation, you enter into a direct relationship with Stripe and you agree to the Stripe Connected Account Agreement for your location (Australia, Canada, New Zealand, United Kingdom or United States) (Stripe Connected Account Agreement), which incorporates the Stripe Services Agreement for your location (Australia, Canada, New Zealand, United Kingdom or United States) (Stripe Services Agreement). Some payment methods have specific terms that apply to them - you can find these terms in the Stripe Services Agreement for your location. These agreements are between you and Stripe and Xero is not a party to those agreements.

44. Stripe as payments processor: The processing of payments is provided by Stripe under the Stripe Connected Account Agreement for your location. Xero doesn't assume any responsibility for the processing of payments.

55. Payment fees: The fees for payments with Stripe may vary by region and are set out on our website. Depending on your region, the fees may be inclusive or exclusive of transactional taxes where relevant (like VAT, GST or sales tax), as reflected in the pricing and fees page on our website.

66. Surcharging: It is your responsibility to comply with applicable laws, including by disclosing any surcharging.

77. New payment methods: You agree that when new payment methods with Stripe become available, Xero may enable these payment methods on your behalf. By issuing invoices with the new payment methods enabled, and by using these payment methods, you agree to any specific terms and applicable fees for that payment method. If you do not want to use a new payment method, you can turn this off in your settings.

88. Existing invoices: When you set up payments with Stripe, or you add a new payment method, or Xero enables a new payment method on your behalf, the selected payment methods will be available on all future invoices and any invoices which you have already issued but have not yet been paid.

99. Restricted businesses: You must not use payments with Stripe to run, pay or receive a payment from a business listed as a restricted business for your location (Australia, Canada, New Zealand, United Kingdom or United States) (restricted business). If you realise one of your customers is a restricted business, you need to let us know quickly.

1010. Transferring your Stripe account: If you transfer your Xero subscription to a new subscriber, you'll also need to transfer your Stripe account. You'll need to contact Stripe directly to arrange a transfer.

·Payments with Crezco

1111. Application: If you are located in the United Kingdom and you connect Crezco to your Xero organisation so you can make payments, these terms apply to you and your invited users.

1212. Xero and Crezco: When we say Xero, we, our or us, we're talking about Xero (UK) Limited. When we say Crezco in these terms, we're talking about Crezco Limited, a payment institution that is authorised by the Financial Conduct Authority to provide payment services.

1313. Agreement to Crezco's terms: When you connect Crezco to your Xero organisation, you enter a direct relationship with Crezco and you agree to Crezco's Terms of Use and Privacy Policy (the Crezco Terms). The Crezco Terms are between you and Crezco and Xero is not a party to those agreements.

1414. Crezco as payments processor: The processing of payments is provided for you by Crezco under the Crezco Terms. Xero doesn't assume any responsibility for the processing of payments.

1515. Payment fees: The fees for payments with Crezco are set out on our website, and exclude VAT.

·Payments with Airwallex

1616. Application: If you are located in Australia and you connect Airwallex to your Xero organisation so you can make payments, these terms apply to you and your invited users.

1717. Xero and Airwallex: When we say Xero, we, our or us, we're talking about Xero Australia Pty Limited. When we say Airwallex in these terms, we're talking about Airwallex Pty Ltd, which holds an Australian Financial Services Licence (AFSL No. 487221) and is regulated by the Australian Securities and Investments Commission (ASIC).

1818. Agreement to Airwallex's terms: When you connect Airwallex to your Xero organisation, you enter a direct relationship with Airwallex and you agree to the Airwallex Connected Account Agreement. The Airwallex Connected Account Agreement is between you and Airwallex and Xero is not a party to that agreement.

1919. Airwallex as payments processor: The processing of payments is provided by Airwallex under the Airwallex Connected Account Agreement. Xero doesn't assume any responsibility for the processing of payments.

2020. Payment fees: The fees for payments with Airwallex are set out on our website, and exclude GST unless specified otherwise.

·Payments with Melio

2121. Application: If you are located in the United States and you connect Melio to your Xero organisation so you can make payments, these terms apply to you and your invited users.

2222. Xero and Melio: When we say Xero, we, our or us, we're talking about Xero, Inc. When we say Melio in these terms, we're talking about the Melio entity listed in Melio's Terms of Service for your location.

2323. Agreement to Melio's terms: When you connect Melio to your Xero organisation, you enter a direct relationship with Melio and you agree to Melio's Terms of Service based on your location (collectively, the Melio Terms). The Melio Terms are between you and Melio and Xero is not a party to those agreements.

2424. Melio as payments processor: The processing of payments is provided for you by Melio under the Melio Terms. Xero doesn't assume any responsibility for the processing of payments.

2525. Payment fees: The fees for payments with Melio are set out on our website, and exclude applicable taxes.

·Pay by bank (New Zealand)

2626. Application: If you are located in New Zealand and you enable 'Pay by bank' (so you can accept direct bank transfer payments from your customers through your Xero invoices), these terms apply to you and your invited users.

2727. Xero and Akahu: When we say Xero, we, our or us, we're talking about Xero (NZ) Limited. When we say Akahu in these terms, we're talking about Akahu Technologies Limited, which provides open banking capabilities in New Zealand, including as an accredited requestor under the Customer and Product Data Act 2025. While Akahu does not process payments, it is our payments partner for the purposes of these terms.

2828. How 'Pay by bank' works: By enabling 'Pay by bank', you acknowledge that:

• ·Xero doesn't assume any responsibility for the processing of payments.
• ·Payments are direct transactions between the payer's bank (your customer) and your bank. Xero passes the relevant payment details from your invoice to Akahu and Akahu sends the payment initiation request to the payer's bank for authorisation.
• ·The payer's bank is solely responsible for executing the transfer of funds and neither Xero nor Akahu takes possession, custody, or control of funds at any point.

·Liability and indemnity

2929. Your responsibility for use of the payments services: You're responsible (meaning we're not liable) for use of the payments services (including all your invited users' activity) and all transactions on your account. This includes, for example, making sure that payment instructions are accurate and complete, and that permission to make payments is granted to the right people and that they have authority to submit them.

3030. Using the payments services responsibly: While we can't cover everything here, we do want to highlight a few things you mustn't do when using the payments services:

• ·breach the relevant agreement between you and the payments partner.
• ·act fraudulently or recklessly in connection with the payments services.

3131. Payment processing services: Payment processing services are provided by our payments partners, not Xero. We're not responsible for the actions or failures of any payments partner or any other third party involved in the payment network (for example, a payment being delayed or rejected by a bank).

3232. Payments indemnity: You indemnify us against all losses, costs (including legal costs), expenses, demands or liability that we incur arising out of, or in connection with:

• ·your breach of the relevant agreement between you and the payments partner. You may also separately be responsible to the payments partner.
• ·any third party fines or penalties (for example, from a card scheme network), disputes (including chargebacks), refunds, negative balances or payment failures relating to your use of these payments services

·except for losses arising from a breach of these terms by Xero, its employees, contractors or agents or from any gross negligence, wilful misconduct, fraud or material error that was solely the responsibility of Xero, its employees, contractors or agents.

·General terms

3333. Consent to share data: Before you enter the personal data of others (such as your customers) into Xero, you must get their consent to us collecting, using and sharing (for example, with the payments partner) their personal data.

3434. Use of data: While using a payments service, you may enter data (including personal data of yourself and others) into Xero or your payments partner account, or provide this data to our payments partners. We may use or share that data for the purposes listed in our terms of use, privacy notice and data processing terms (if they apply). We may also share that data with the relevant payments partner.

3535. Authorisations: You consent to us:

• ·accessing your payments partner account as your agent, including operating the account and giving your instructions on your behalf to the payments partner.
• ·obtaining and providing your onboarding data and any data required for ongoing due diligence to the payments partner and its providers.
• ·viewing your account information, including transaction history, balances, and onboarding data and sharing this data with us and with the payments partner.
• ·providing any information required by the payments partner to receive funds into your payments partner account or to make payouts.
• ·recovering any fees or other amounts payable to us directly from your payments partner account balance.

3636. Payment fees: When you use these payments services, you will be required to pay us fees (payment fees) based on your usage. These payment fees form part of these terms.

3737. Updating payment fees: We may update or amend payment fees from time to time. As with any other changes to our terms, changes to payment fees won't apply retrospectively and, if we make changes and you use these services, we'll make every effort to let you know (take a look at section 66 of our terms of use to see how and when we'll notify you).

3838. Change to payments partner: We may decide to use a third party other than those referenced above. If we do that, we'll notify you in accordance with section 66 of our terms of use.

3939. Effect of cancelling your Xero subscription: If you cancel your Xero subscription, you won't be able to access any of these payments services through Xero.

·Terms and conditions

·No purchase or payment necessary to enter or win. A purchase or payment will not affect your chances of winning a prize. You have not yet won. Void where prohibited by law. Subject to all federal, state, and local laws, regulations and ordinances.

11. This giveaway (Giveaway) is conducted by the Xero entity for the region in which you are a resident of (as set out in the list at the bottom of these Terms and Conditions) (Xero, we, our or us), and is open from 8am, 16 July, 2024 GMT, until 7pm, 9 August, 2024 GMT. (Giveaway Period). Xero may, at its sole discretion, extend the Giveaway Period. By entering the Giveaway, an entrant (Entrant, you or your) agrees to be bound by these terms and conditions (the T&Cs) and the additional terms and conditions set out in Schedule 1 for residents of the United States (the Additional Terms, and collectively, with the Terms when applicable, the Terms).

·Eligibility

22. To be eligible to enter the Giveaway, an Entrant must (a) at the start of the Giveaway Period, be the age of majority in your Region; (b) be confirmed by Xero to be an existing subscriber to Xero's services preceding the Giveaway Period; and (c) for the duration of the Giveaway Period, be a resident of one of the following regions (Regions):

• 1Australia
• 2United Kingdom
• 3United States (excluding Puerto Rico and the U.S. Virgin Islands and other U.S. territories and possessions)
• 4New Zealand

·(an Eligible Entrant).

33. Eligibility for the Giveaway is subject to all applicable federal, state and local laws, rules and regulations (Laws). You are responsible for confirming if your participation in the Giveaway or acceptance of the Prize violates any Laws or contract between you and any third party. Employees of Xero, or any affiliates thereof, and members of their immediate families are not eligible to enter the Giveaway.

·How to Enter

44. To enter the Giveaway, an Eligible Entrant must, during the Giveaway Period, complete the Payments Power Users survey which can be found in an email invitation from Xero, and elect to be entered into the survey by providing your details at the completion of the survey (Entry Criteria). Following which, you will be deemed to have registered as a participant in this Giveaway and accepted these Terms.

55. There will be a limit of one (1) entry per Entrant. No purchase is required to enter the Giveaway. Submissions for entry into the Giveaway received other than during the Giveaway Period, duplicate submissions, or submissions that are incomplete, illegible, or that do not conform to, or satisfy, any condition of the Terms and any submissions received by automated means or means that subvert the entry process described in the Terms will be void. Xero will determine in its sole discretion, what constitutes a valid entry. Proof of submission will not be deemed to be proof of receipt of entry by Xero. Xero has no obligation to notify you if your submission is void. No communication or correspondence will be exchanged with any Entrant except with those selected as a potential Giveaway Winner.

66. If you opt to access the Giveaway via your wireless mobile device, data rates may apply for each message sent or received according to the terms and conditions of your service agreement with your wireless carrier.

·Prize and Timing

77. The prize is a gift card issued by www.tremendous.com worth (Prize). Depending on the Winner's Region, the value of the Prize will be:

• 1United States: $250 USD
• 2Australia: $375 AUD
• 3United Kingdom: £200 GBP
• 4New Zealand: $400 NZD

·There is one (1) Prize available to be won in each Region. The Prize will be awarded in a manner of Xero's choosing, in its own discretion. The Prize cannot be replaced if lost or stolen and is not transferable, for sale, re-sale or auction. Xero gives no warranties, representations or advice in respect of the Prize and it is provided on an "as is" basis. No prize substitutions, except by Xero, who reserves the right to substitute the Prize with another prize of comparable or greater value if the Prize is not available for any reason as determined by Xero in its sole discretion. The odds of winning a Prize depends on the number of entries that meet the Entry Criteria.

88. For each Region, Xero will select one (1) Eligible Entrant at random from the entries that have met the Entry Criteria in that Region (Winner). There will be a total of four (4) Winners (one from each Region). The Winner will be notified by Xero and will be advised as to how the Prize will be made available to them. In order receive their Prize, the Winner will be required to (a) within seven (7) days of email notification by Xero, reply to Xero via email, confirming the Winner's e-mail address, full mailing address and phone number; and (b) where applicable, sign and return a Release Form (or similar document) to be provided by Xero, which, among other things: releases the Released Parties (as defined in Section 13) from any and all liability in connection with this Giveaway, the Winner's participation therein and the acceptance, use or misuse of the Prize and confirms the Winner's consent to the publication, reproduction and/or other use of their firm name in any publicity or advertising carried out by Xero in connection with the Giveaway (together the Prize Claim Steps). The Winner must also complete any and all additional documents (e.g., legal or tax-related documents) provided by Xero (if any) in connection with the awarding of the Prize and return them as instructed within the time frame specified or Winner may forfeit Prizes at Xero's sole discretion. Once eligibility has been verified and Xero receives the Winner's requested information, Xero will arrange to award the Prize. If the potential Winner is unable to participate in or accept the Prize or any portion of the Prize for any reason, Xero will have no further obligation to the potential Winner. Prize or Prize Claim Steps returned as undeliverable will result in forfeiture of the Prize. In addition, Xero reserves the right to, in its sole discretion, select an alternate Winner in the event that any potential winner fails to comply with the Terms.

99. Winner is responsible for any and all applicable federal, state, territorial, local or foreign taxes (and the reporting thereof), if any, and for all other unspecified expenses, fees, charges, or duties associated with acceptance or use of the Prize. It is the individual Winner's responsibility to understand and abide by any federal, state, territorial, local or foreign tax laws that may apply to receipt of the Prize.

1010. Xero's decisions on all matters relating to this Giveaway (including but not limited to registration of Participants and determination of the Winner, the awarding of the Prize and the operation of the Giveaway) will be final and no correspondence will be entered into regarding any of the foregoing.

1111. By entering the Giveaway you agree to the Terms set forth herein, Xero's Privacy Notice and to comply with all applicable Laws. You agree that the responses you provide as part of the Giveaway will be collected and used by Xero in accordance with Xero's Terms of Use and Xero's Privacy Notice. By registering as a participant in the Giveaway, you consent to the collection, use and disclosure of your personal information for the purposes of administering the Giveaway. You further agree that Xero may use any responses or other feedback you provide for any purpose, without any restriction, and you hereby consent to such use, and you understand that no payment or other compensation will be paid to you or your firm in connection with such use. Xero may publish or make available details of the Giveaway, including the name and region of the Winner. You can object to your details being published or made available, or reduce the amount of information published or made available, by emailing privacy@xero.com - note Xero may still be required to provide your details if required by law.

1212. Neither Xero nor its subsidiaries or affiliates, nor any of their respective Representatives (defined below) are responsible for (a) theft, alteration, destruction or unauthorized access to entries; (b) problems downloading or uploading any Giveaway-related information or data to or from any website or platform; (c) any other technical failures or malfunctions of, or experienced by, any electronic equipment, computer systems, servers, or service or other providers, phone lines, the public internet; or (d) failure of any electronic mail entry to be received by Xero on account of technical problems which may limit your ability to participate in this Giveaway.

1313. To the extent permitted by law, Xero and its affiliates and each of their respective directors, officers, employees, representatives, and agents (together, the Representatives, and together with Xero and its affiliates, the Released Parties) shall not be liable in any way (including, without limitation, in negligence), for any loss or damage whatsoever suffered (including, without limitation, direct, indirect or consequential loss, or the right to have damages multiplied or increased) or for any loss or damage or personal injury suffered or sustained in connection with the Giveaway, or acceptance, possession, or use or misuse of the Prize, and you hereby release the Released Parties from any claims or damages arising out of or related to your participation and/or entry in the Giveaway and/or your receipt, acceptance, possession or use or misuse of the Prize awarded in this Giveaway. For the avoidance of doubt, and without prejudice to the generality of the foregoing, you release the Released Parties from any loss, damages or cause of action in relation to (a) any technical errors associated with the Giveaway; (b) unauthorized human intervention in the Giveaway; and (c) any other errors or problems in connection with the Giveaway, including, without limitation, errors that may occur in the administration of the Giveaway.

1414. In the event that Xero receives an insufficient number of entries that meet the Entry Criteria and/or Xero is prevented from awarding a Prize or continuing with the Giveaway as contemplated herein by any event beyond its control, including without limitation, fire, flood, natural or man-made epidemic of health of other means, satellite, technical or equipment failure, then Xero shall have the right to modify, suspend, or terminate the Giveaway. If the Giveaway is terminated before the designated end date, Xero will (if possible) award the Prizes from among the entries that meet the Entry Criteria or the US Entry Criteria, as applicable, received as of the date of the event giving rise to the termination.

1515. Xero reserves the right, in its sole discretion, to cancel, modify or suspend the Giveaway if any fraud or any other factor impairs the integrity or proper functioning of the Giveaway, for any other reason whatsoever without liability. In the event of termination of the Giveaway, Xero may award the Prize from among the eligible entries received up to the time of the suspension or termination, whichever date occurred first.

1616. If there's any part or provision of these Terms that is declared illegal or unenforceable by a court of competent jurisdiction, then the remainder of these Terms shall remain in full force and effect.

1717. This Giveaway is in no way sponsored, endorsed or administered by any social media platforms on which the Giveaway may have been promoted and/or publicized and/or used to announce the Winner. Any questions or comments regarding a Giveaway must be directed to Xero and not to any social media platforms.

1818. You acknowledge that a copy of these Terms has been provided to you. If you have any questions regarding the Giveaway, or if you would like confirmation of the Giveaway Winner once they are named, please contact Xero at: researchoperations@xero.com.

1919. The following list sets out, for the Region you reside in, the applicable Xero entity and the laws that govern the Terms and the Giveaway. By participating, you irrevocably consent and submit to the jurisdiction of such courts. Country: Australia

·Xero entity and registered office: Xero Australia Pty Limited 1/6 Elizabeth Street Hawthorn Melbourne VIC 3122 Governing Law: Victoria, Australia Country: United Kingdom

·Xero entity and registered office: Xero (UK) Limited Bank House 171 Midsummer Boulevard Milton Keynes, MK9 1EB Governing Law: England Country: United States

·Xero entity and registered office:

·Xero, Inc. 1615 Platte Street Suite 400 Denver, CO 80202 Governing Law: State of Colorado, USA Country: New Zealand

·Xero entity and registered office: Xero (NZ) Limited 19-23 Taranaki Street Wellington Central, Wellington 6011 New Zealand Governing Law: New Zealand

Schedule 1Schedule 1 - US Additional Terms

11. The following additional terms and conditions (US Schedule) apply to Giveaway Entrants located in the United States of America. If there is a conflict between this US Schedule and the T&Cs, this US Schedule will control. Capitalized, but undefined terms in this US Schedule have the meanings given to them in the T&Cs.

22. The Giveaway is open from 12am, 16 July, 2024 PDT, until 11am, 9 August, 2024 PST (the Giveaway Period). Xero may, at its sole discretion, extend the Giveaway Period.

33. There are two methods of entry, both of which are online. An Eligible Entrant must complete one of the following steps during the Giveaway Period:

• 1Enter via survey. To enter, you must during the Giveaway Period, complete the Payments without invoices Survey which can be found in an email invitation from Xero, and elect to be entered into the survey by providing your details at the completion of the survey.
• 2Enter via email. To enter, you must email researchoperations@xero.com stating that you wish to be entered into the Drawing (the effective time and date for an email entry in order to be eligible is the date and time of receipt of the email by Xero).

·(the US Entry Criteria) after which you will be deemed to have registered as a participant in this Giveaway and accepted these Terms.

44. You agree that unless you are prohibited from law in doing so, you promise you will bring any and all disputes, claims and causes of action against the Released Parties, without resort to any form of class action. Each Entrant agrees to fully indemnify Released Parties from any and all claims by third parties relating to the Giveaway, without limitation.