Xero GoCardless Integration
so a late direct debit lands with the fees still visible.
GoCardless collects on a schedule, with money arriving several days after the charge is raised, and in Xero the bank feed shows the net deposit that actually hit the account. Connecting the two stops somebody reconciling it by hand.
Put plainly, we build the Xero GoCardless sync so the charge, the settlement and anything that failed come through separately, and the fees sit in their own account instead of sales. Fixed-price scope, an Australian team, and support after launch.
- Two ways Connector setup, or a custom integration
- 18+ yrs Building business software
- Fixed Price scopes, no surprises
- Independent No software licence commission
Built here. Your data stays here.
- No offshore development. Everything is written by our own team in Australia. Nothing is subcontracted overseas.
- Your data stays onshore. Hosted in Australia, on infrastructure you own, under Australian law.
- Every state, not just ours. Perth, Melbourne, Sydney, Brisbane, Adelaide and everywhere between.
GoCardless payments can fail after you record them
Timing dominates. A payment can be recorded, then fail or be retried days later, so anything that posts on the charge date rather than the settlement date will misstate both cash and debtors.
And on the other side, because the feed only ever sees the net figure, gross sales and merchant fees have to meet in a clearing account. Skip the clearing account and the fees quietly disappear into sales.
A ready-made connector, or one built to fit
Most businesses need the first. Some need the second. We will tell you which before you spend anything.
Connector setup
Where a supported connector already exists for Xero and GoCardless, we install it, configure it against your chart of accounts, test it on your real data, and hand it over with a written guide your team can actually follow. No ongoing dependency on us.
Custom integration
When no connector exists, or the one that does cannot handle how your business records things, we build it. Transactions posted the way your accounting actually works, exceptions handled, and support afterwards.
Knowing which you need
This is the part worth paying attention to. Plenty of businesses are sold a custom build when a connector would have done, and plenty struggle on with a connector that was never going to fit. We look first and say which.
Before
Failed debits found weeks after they posted
- One deposit covering payments nobody can split apart
- Merchant fees netted off revenue, so gross sales are understated
- Refunds and failed payments found weeks later
- A month end that never quite closes cleanly
After
Fees and sales meeting in a clearing account
- GoCardless activity posted into Xero automatically
- Fees in their own account, where they belong
- Refunds and chargebacks handled rather than discovered
- A bank reconciliation that closes without a spreadsheet
Scoped and quoted before you commit. If the standard connector will do the job, we will say so.
Get a fixed-price scopeYour Xero and GoCardless questions, answered
Is there a standard connector for Xero and GoCardless?
That is the first thing we check, and the answer decides which of our two services you need. Where a supported connector exists we will tell you, set it up properly and hand it over rather than quietly building something you did not need. Where one does not exist, or exists but does not do what your accounting actually requires, that is a custom integration.
Why does the deposit never match the invoice?
GoCardless collects on a schedule, with money arriving several days after the charge is raised. Timing dominates. A payment can be recorded, then fail or be retried days later, so anything that posts on the charge date rather than the settlement date will misstate both cash and debtors.
What does that mean inside Xero?
In Xero, the bank feed shows the net deposit that actually hit the account. Because the feed only ever sees the net figure, gross sales and merchant fees have to meet in a clearing account. Skip the clearing account and the fees quietly disappear into sales.
Can you fix the fees showing up in the wrong place?
Yes, and it is the most common thing we are asked to correct. Merchant fees belong in their own expense account, not netted off revenue, or your gross sales figure is understated and your margin looks better than it is. Fixing it usually means a clearing account and a posting rule, not a bigger system.
What about refunds, chargebacks and failed payments?
They are the part that gets skipped, and they are the part that causes the argument at month end. Each one has to post to the right account on the right date, and a failure that arrives after the payment was already recorded has to reverse cleanly rather than being deleted.
Do you support it afterwards?
Yes. Both Xero and GoCardless change on their own schedules, so an integration nobody maintains is an integration that breaks quietly. We offer ongoing support and we will tell you plainly if the honest answer is that you do not need it.
Sending your details…
You can stay on this page while we send it.
Tell us what month end looks like in Xero
Which Xero product you are on, how GoCardless is set up, and what month end currently looks like. We will come back with a straight answer and a fixed-price scope.
Prefer a quick chat? Call 0425 531 127. We answer the phone in Perth.
