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Xero Tap to Pay: accept contactless payments with just your phone

Xero Tap to Pay (sometimes called Tap to Go) lets you take a card, phone, or smartwatch payment on the spot without buying a separate terminal. Open the Xero Accounting app, raise an invoice, and your customer taps their device on yours. Stripe processes the payment and Xero marks the invoice as paid, all in a few seconds.

Which problems does it remove?

Carrying a bulky point of sale terminal or paying monthly rental is no longer necessary because your existing smartphone is the only hardware you need.

Waiting days or weeks for bank transfers is replaced by instant settlement while you are still with the customer, improving cash flow. Manual data entry disappears since each payment is matched automatically to the invoice in Xero, which reduces errors.

Customers get more ways to pay because Tap to Pay accepts contactless cards, Apple Pay, Google Pay, and most wearables. Finally, money moves straight into Stripe so there is no cash to handle or store, lowering security risk.

Payoffs for your business

  • Faster money in the bank and fewer overdue invoices

  • A smooth, professional experience customers appreciate

  • Lower overheads thanks to zero extra hardware or rental fees

  • Books that stay tidy automatically, saving reconciliation time

  • Simple setup in minutes with a Stripe account and the Xero app


For device requirements, fees, and step-by-step setup, visit Xero’s official page: https://www.xero.com/accounting-software/accept-payments/tap-to-pay/

Contact Us

Contact us today to discuss on 07 827 9130 or email us. Our office is in Cambridge, NZ, but distance is no problem. We have many international and national clients.

This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.