Keep invoicing in EUR, GBP, or USD while your customers pay in Bitcoin through CoinGate
First month free • No credit card required • Cancel anytime
Multi-currency invoicing in Xero solves one problem and creates another. You can bill a client in their home currency, but the moment they want to pay, you are back to bank transfers, card networks, and the conversion spreads that come with them. A EUR invoice paid by a customer in another region still passes through intermediaries who each take a cut and add a day or two to settlement.
Bitcoin sits outside that currency map entirely. It does not care whether the invoice is denominated in pounds, euros, or dollars, and it moves the same way regardless of where the payer sits. Pairing Xero's multi-currency billing with a Bitcoin payment route means the denomination on the invoice becomes a display choice, not a settlement constraint.
PayInBTC.me connects the two. Your Xero invoice keeps its original currency, CoinGate handles the crypto checkout, and the amount is calculated at the live rate when the customer clicks to pay. This page explains how the pairing works and where it fits.
Multi-currency support is part of Xero's Established plan, which lets you invoice, hold bank accounts, and report across different currencies with automatic exchange-rate updates. That means the hard accounting work, tracking what a foreign-currency invoice is worth in your base currency, is already handled inside Xero. What Xero does not do is give the customer a way to pay in something other than fiat. The invoice can say EUR, GBP, or USD, but the payment options stop at the usual bank and card rails.
CoinGate is a licensed crypto payment gateway that accepts Bitcoin and 70+ other cryptocurrencies, and it lets the business decide how to receive the money. You can settle in EUR, GBP, USD, or keep the crypto, with payouts available across 180+ countries. CoinGate is also one of the first MiCA-licensed providers in the EU, which matters if you invoice European clients and need a regulated counterparty. The transaction fee starts at 1%, well below typical card processing.
Put together, Xero decides how the invoice reads and CoinGate decides how you get paid, and the two no longer have to match a card network's assumptions. A customer paying a USD invoice can send Bitcoin; you can take the settlement in euros. PayInBTC.me sits in the middle, reading the invoice total from Xero and passing it to CoinGate's checkout at the correct amount. Nothing about your Xero setup changes, and the crypto side never touches your accounting data beyond reading the figure it needs.
The connection runs on top of your existing Xero and CoinGate accounts. Setup takes about five minutes and needs no coding.
Consider a 2,000 EUR invoice sent to a client abroad, comparing a card payment against Bitcoin through CoinGate.
| Cost item | Card payment | Bitcoin via CoinGate + PayInBTC.me |
|---|---|---|
| Processing fee | ~€58 (2.9%) | ~€20 (1%) |
| Fixed per-transaction fee | ~€0.30 | None |
| Currency conversion spread | ~€40 (2%) | Set by settlement choice |
| PayInBTC.me fee | N/A | ~€0.60 (1,500 sats) |
| Chargeback risk | Present | None on settled payment |
| Approximate total cost | ~€98 | ~€21 |
On a single cross-currency invoice the difference is roughly €77. The gap widens as invoice volume and average value grow.
You need an existing Xero account and a CoinGate account. The rest happens inside PayInBTC.me.
The first month is free, so you can run a few real invoices through the pairing before deciding whether it fits.
More questions? See our full FAQ →
Keep Xero. Keep your workflow. Just add Bitcoin payments via CoinGate.
No credit card required. First 3 invoices free. Cancel anytime.
Questions? Talk to our team