Keep your Xero workflow exactly as it is. payinbtc.me adds a Bitcoin payment option to the invoices you already send, connected to any of 14 Bitcoin wallets and payment providers, settling directly to an account you control.
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Not natively. Xero's invoice payment options run through payment services you connect to it: Stripe for cards, Apple Pay and Google Pay, GoCardless for direct debit, and a handful of regional alternatives from the Xero App Store. Every one of them moves bank money. None of them moves Bitcoin, and Lightning payments have sat on Xero's own product ideas forum as an open request rather than a shipped feature. payinbtc.me is how Xero users add the option now.
Xero has more than 4.6 million subscribers, concentrated in the UK, Australia and New Zealand, and its app ecosystem is the largest in the category. That ecosystem is precisely why the gap is odd: there are over a thousand apps you can bolt onto Xero, and until now none of them put Bitcoin on an invoice without asking you to change how you invoice.
payinbtc.me sits between Xero and the Bitcoin payment provider you pick. You connect both once, using Xero's standard OAuth authorization, so no password is shared and we get read access only. We read the invoice amount, currency and invoice number so the payment page shows the right total. We cannot write to your ledger, edit an invoice, or touch your chart of accounts. From then on, the invoices you send carry a Bitcoin option next to Stripe or GoCardless. Clients who want it use it. Everyone else pays the way they always have.
When a client opens the Bitcoin payment link, we fetch the invoice total from Xero and convert it to BTC at that moment's rate, then show a payment page with a QR code. They pay from any wallet, over the Lightning Network for near-instant settlement, or on-chain for larger amounts. The Bitcoin arrives directly in your wallet or provider account. We never hold your funds and we never take a percentage of the invoice.
For a Xero business, the sharpest case is the international invoice. A UK consultancy billing a client in the US, or a Melbourne studio billing one in Singapore, is currently choosing between a card payment carrying an international rate and FX markup, or a bank transfer that costs the client wire fees and costs you three days of waiting. A Bitcoin payment settles in seconds, on a Sunday, for a fee measured in cents, and it does not care which side of the world either party is on. You still record it yourself: we email you when the payment clears and you mark the invoice paid in Xero. Automatic reconciliation is on our roadmap and we will not claim it before it exists.
All 14 providers connect to Xero. But Xero's base sits in the UK, Australia, New Zealand and Europe, invoicing in pounds, dollars and euros, often across borders. These four are where most Xero users should start:
Full self-custody, no third party in the money flow
UK and EU businesses that want the value in fiat
The shortest path to a first Bitcoin payment
Getting paid over Lightning, fast and low-cost
Undecided? Start with our hosted BTCPay option. It is the only choice that requires no third-party account at all, and moving to a different provider later leaves your Xero connection untouched.
Estimated time: 5 minutes
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5-minute setup. First month free. No credit card required. Cancel anytime.
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