A Bitcoin payment option on your Xero invoices, priced the same whether the client is down the road or on the other side of the world
First month free • No credit card required • Cancel anytime
Xero closed FY26 with 4.92 million subscribers and NZ$2.75 billion in operating revenue, most of it now earned outside its home market in New Zealand. The product is used in more than 180 countries, and the invoicing reflects that: multi-currency billing, tax rules per jurisdiction, and a contact record that does not care where the customer sits. Getting paid is where the geography comes back. Xero's built-in online payment options route through Stripe for cards and GoCardless for direct debit, and both are priced by where the card or the bank account was issued.
The gap between a domestic payment and a foreign one is wide enough to notice. On Xero's UK Stripe pricing, a standard UK card costs 1.5% plus 20p, an EEA card 2.5% plus 20p, and an international card 3.25% plus 20p, with a further 2% when currency conversion is required. Rates are exclusive of VAT and are revised from time to time, so check the current page before planning around a number. On a £2,000 invoice paid by a client abroad, that is more than £100 to collect money you have already earned. An international bank transfer looks cheaper on paper and is slower in practice, with fees at both ends and an exchange spread that never appears as a line item.
PayInBTC.me connects Xero to OpenNode so a Bitcoin option sits on the invoices you already send. OpenNode is a Bitcoin payment gateway built around a short path from account to first payment, with Lightning for instant settlement, on-chain for larger amounts, and automatic conversion into local currency for businesses that would rather not hold Bitcoin. Your Xero workflow does not change: same templates, same numbering, same chart of accounts.
Card pricing is a map. Bitcoin is not. A payment against a Xero invoice costs the same whether the payer is in Manchester, Melbourne, or Manila, because there is no issuing bank, no interchange tier, and no correspondent chain taking a cut along the way. For a business whose client list crosses borders, that turns the most expensive payments in the ledger into the cheapest ones. It also removes the parts of the process that have nothing to do with the work: sending wire details, chasing a transfer that left three days ago, and reconciling an amount that arrived short of what was invoiced.
Xero users selling into several countries tend to accumulate payment methods, one per region, each with its own onboarding, its own settlement account, and its own fee table to explain to a bookkeeper. OpenNode is a single account that works globally. Payments arrive in Bitcoin over Lightning or on-chain, and can be converted automatically into local currency, which OpenNode states it does without charging a conversion fee. A business in Auckland and a business in Bristol connect the same way.
Xero's multi-currency invoicing lets you bill each client in their own currency and hold the exchange difference in your books. PayInBTC.me reads the invoice number, amount, and currency from Xero and calculates the Bitcoin amount at the live rate when the customer opens the payment page. A GBP invoice, an AUD invoice, and a USD invoice all end at the same OpenNode checkout, so adding a currency to your Xero setup does not mean adding a payment integration to go with it.
PayInBTC.me connects through Xero's own OAuth authorisation and reads only what the payment page needs. It cannot write to your books, edit an invoice, or change your chart of accounts. The Bitcoin does not pass through PayInBTC.me either. It goes from your customer to OpenNode and on to wherever your withdrawal settings point: a Bitcoin wallet you control, or a bank account if you use local currency settlement. PayInBTC.me charges a flat fee in sats rather than a share of the invoice.
The setup takes about five minutes and needs no crypto knowledge. Once connected, the flow runs on its own for every invoice you choose.
Take a £2,000 invoice sent from a UK business to a client abroad, a common shape for agencies, consultancies, and software firms running on Xero. Here is roughly how the cost of collecting it compares.
| Method | Cost on a £2,000 invoice | Notes |
|---|---|---|
| International card via Stripe in Xero | About £105.20 | 3.25% plus 20p for international cards, plus 2% where currency conversion is required, exclusive of VAT |
| UK domestic card via Stripe in Xero | About £30.20 | 1.5% plus 20p on standard UK consumer cards, for comparison with the same invoice paid at home |
| International bank transfer | £15 to £40 plus spread | Fees at both ends, an exchange spread that is not itemised, and several banking days before the money arrives |
| Bitcoin via PayInBTC.me and OpenNode | About £21 | OpenNode publishes typical processing fees of 1%, plus a flat 1,500 sats per invoice to PayInBTC.me, roughly a pound at recent rates |
On this invoice, taking Bitcoin instead of an international card cuts collection cost by around 80% and settlement time from days to seconds. Note where the percentage sits: PayInBTC.me charges a flat fee in sats, and the 1% belongs to OpenNode. Businesses that want no percentage at all can point the same Xero connection at a self-custodial provider such as BTCPay Server instead.
You need a Xero organisation and an OpenNode account. OpenNode is open to registered businesses and runs a verification check, so allow time for that step before your first invoice.
The first month is free, so you can run a few real invoices through the setup before deciding whether it stays. Full setup instructions are at docs.payinbtc.me.
More questions? See our full FAQ →
Keep Xero. Keep your workflow. Just add Bitcoin payments via OpenNode.
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