To lower your total costs, use a third-party processor (like Authorize.net) integrated via a Xero app. Xero does not charge extra for this integration, but the gateway will.
This is the most misunderstood area. It is software that integrates with payment gateways. When someone says "Xero fees," they often conflate Xero’s subscription with Stripe, GoCardless, or Square fees. xero fees work
How Xero Fees Work: A Complete 2026 Guide to Pricing and Plans To lower your total costs, use a third-party
Xero's fee structure is designed around feature-based tiers rather than charging per user, making it a unique "unlimited seats" option for growing teams The Core Pricing Tiers Starter / Early Plan To lower your total costs
While the base subscription is straightforward, your monthly bill can grow based on specific business needs: Payroll Fees