Bitcoin payments on your Xero invoices with no processor in the money flow and no percentage taken out
First month free • No credit card required • Cancel anytime
Xero serves around 5 million customers across more than 180 countries, and it leads cloud accounting in New Zealand, Australia and the United Kingdom. Its invoice payment options come from connected services rather than from Xero itself: Stripe for cards, Apple Pay and Google Pay, GoCardless for direct debit, plus regional alternatives from the app store. Every one of them moves bank money. A client who wants to pay in Bitcoin falls outside the whole arrangement.
For most Xero businesses the practical answer has been a crypto processor, which trades one intermediary for another. BTCPay Server exists because a group of merchants wanted neither. It is free and open source, charges no processing or subscription fees, and never asks a merchant for identification. Payments go straight from the customer to a wallet whose keys you hold. The catch has always been that BTCPay Server is software you run, which puts it out of reach of the average accountant or agency owner.
PayInBTC.me closes both gaps at once. It connects your Xero account, read-only through Xero's standard OAuth authorisation, to a BTCPay Server instance you run yourself or one we host for you. Your invoices carry a Bitcoin option next to whatever else you already offer, the amount is calculated at the live rate when the client opens it, and the Bitcoin arrives in your own wallet. Nothing about how you invoice in Xero changes.
Xero's app store is the largest in cloud accounting, with well over a thousand integrations covering payroll, inventory, expenses and payments. The payment apps all terminate at a bank account, because that is what card networks and direct debit schemes settle into. Lightning payments have sat on Xero's own product ideas forum as an open request rather than a shipped feature. BTCPay Server is the piece that handles the Bitcoin side, and PayInBTC.me is the connector that makes the two speak to each other.
PayInBTC.me reads invoice number, amount and currency from Xero so the payment page shows the correct total. It cannot write to your ledger, edit an invoice, or touch your chart of accounts. On the Bitcoin side, BTCPay Server is non-custodial by design: the payment moves from your customer to the wallet connected to your instance, with no processor holding funds in between. Neither PayInBTC.me nor BTCPay Server takes custody at any point, which is a different security position from a crypto gateway that receives on your behalf and pays out later.
BTCPay Server has no processing fee and no subscription fee. Only the Bitcoin network fee applies, and Lightning payments carry a fee measured in a few sats. PayInBTC.me charges 1,500 sats per invoice on pay-per-use, or 2,500 sats a month for unlimited invoices. Neither cost scales with the size of the invoice. For a Xero user sending four-figure and five-figure invoices, that structure is the whole argument: a 2.9% card rate on a £10,000 invoice is £290, while the same invoice paid in Bitcoin costs the same flat handful of sats as a £200 one.
A London consultancy billing a client in Singapore, or an Auckland studio billing one in California, currently chooses between an international card rate with an FX markup on top, or a wire transfer that costs the client a fee and costs you three working days. Bitcoin does not distinguish between a domestic payment and an international one. A Lightning payment settles in seconds on a Sunday evening for the same cost as it would on a Tuesday morning, whichever countries the two parties sit in.
Running BTCPay Server yourself means a VPS or a machine at the office, a Bitcoin node, and the maintenance that comes with both. If that suits you, connect your instance and PayInBTC.me works with it as it is. If it does not, our hosted BTCPay add-on runs the server for you at 2,500 sats a month or 25,000 sats a year, with monitoring and daily backups, while the wallet keys stay yours. You give up the server administration, not the custody.
Setup takes about five minutes and needs no crypto knowledge beyond having a wallet to receive to. Once connected, the flow runs on its own for every invoice you enable it on.
Take a £2,500 invoice from a UK consultancy to an overseas client. Here is roughly how the payment cost compares across three methods.
| Method | Cost on a £2,500 invoice | Notes |
|---|---|---|
| International card payment | £81 to £85 | Around 3.25% plus a fixed fee for non-UK cards on common UK processing rates, before any FX markup |
| International bank transfer | £10 to £30 | Wire fees on one or both sides, plus two to three working days and a manual match in Xero |
| Bitcoin via PayInBTC.me and BTCPay Server | About £1.20 | Flat 1,500 sats per invoice on pay-per-use, no BTCPay processing fee, plus a network fee of a few sats over Lightning |
On this invoice the difference between a card payment and a Bitcoin payment is roughly £80. Because both the BTCPay Server fee and the PayInBTC.me fee are flat, that gap grows with every pound you add to the invoice rather than staying proportional.
You need a Xero account and a BTCPay Server instance. If you do not want to run the server, the hosted add-on gives you one without the administration.
The first month is free, so you can run real invoices through the setup before deciding whether it stays. Full setup instructions for both sides are at docs.payinbtc.me.
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Keep Xero. Keep your workflow. Just add Bitcoin payments via BTCPay Server.
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