Xero

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Xero is a cloud-based accounting software platform that provides bookkeeping, invoicing, payroll, and financial management tools for small and medium-sized businesses.

Wellington, New Zealand
xero.com

About Xero

Xero is a cloud-based accounting software platform designed primarily for small and medium-sized businesses, accountants, and bookkeepers. Headquartered in Wellington, New Zealand, Xero offers tools for online bookkeeping, invoicing, bank reconciliation, expense tracking, payroll (in some regions), inventory, reporting, and multi-currency accounting. Businesses use Xero to manage day-to-day finances, connect bank feeds, collaborate with their accountant, and integrate with hundreds of third‑party apps such as payment processors, point‑of‑sale systems, and e‑commerce platforms.

A Xero charge on your bank or card statement usually relates to a subscription for accounting software, payroll, or an add‑on service linked to your business’s Xero organization. Charges are typically billed monthly in advance on a recurring basis, often under descriptors like “XERO.COM,” “XERO SUBSCRIPTION,” or “XERO [REGION].” You might see a charge after a free trial converts to a paid subscription, when you upgrade from one plan to another (for example, from Early to Growing or Established), or when you add extra features or users. In some cases, you may also see a small temporary authorization hold when adding or updating a payment method, which should reverse automatically.

To verify a Xero charge, sign in at xero.com, go to your organization’s **Subscription** or **Billing** section, and compare the billing date and amount with your bank statement. If your Xero account is managed by your accountant or a Xero partner, they may be the one who set up and manages the subscription, so check with them as well. For questions or to dispute a charge, visit **support.xero.com** while logged in to submit a support request; Xero primarily offers online support rather than a public phone number. Keep your last invoice, organization name, and the last four digits of the card that was charged handy—this speeds up resolving common issues like duplicate organizations, old trials that converted to paid, or subscriptions that weren’t fully cancelled.

Bank Statement Variations

4 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Xero.

  1. XERO AUSTRALIA PTY LTD +61243630948 AU
  2. XERO GLOBAL IN-4855273 +12013546577 USA
  3. XERO.COM +6448879392 NZ
  4. XRO XERO CUSTOM CONNE +6448879392 AU

Frequently Asked Questions

What are the typical Xero subscription prices and plans?

Xero commonly offers three main business plans in many regions: an entry-level plan (often called Early) suitable for very small businesses, a mid-tier plan (often Growing) for regular invoicing and reconciliation, and a higher-tier plan (often Established) with advanced features like multi-currency and project tracking. In the US, as of recent pricing, these plans are typically in the approximate range of about $15–$78 USD per month, billed monthly per organization, but prices and plan names can vary by country and change over time. For current and region-specific pricing, sign in and visit the **Billing** section or check the pricing page at xero.com/pricing.

Why do I see a recurring monthly charge from Xero on my bank statement?

Xero subscriptions renew automatically each month and are billed in advance, which is why you’ll see a recurring charge around the same date every month. The amount corresponds to the plan you’re on plus any add‑ons (such as Projects or Expenses) and applicable taxes. You can confirm the exact plan and renewal date in **Business → Subscriptions & Billing** (or **Organization → Subscriptions** depending on your layout) after logging into Xero.

Why was I charged by Xero after a free trial?

When you sign up for a Xero free trial and add your payment details, the subscription usually converts to a paid plan automatically at the end of the trial unless you cancel before the trial period ends. The first paid invoice date will generally match the day your trial converted, and that date becomes your ongoing billing date. If you didn’t intend to continue, check your **Subscription** page to confirm the status and contact Xero support via **support.xero.com** to ask about your options.

How do I cancel or pause my Xero subscription so I stop being billed?

To cancel, log in to Xero with an account that has subscription/billing permissions, go to **Organization → Subscription & Billing** (or similar), and choose the option to **Cancel subscription** for that organization. Cancellation usually takes effect at the end of the current billing period, and you’ll retain access until that date. Xero doesn’t generally offer a “pause” feature, so if you want charges to stop you must cancel; you can later create a new subscription or reactivate through your Xero partner if needed. If your accountant or bookkeeper manages your subscription, you’ll need to ask them to process the cancellation on your behalf.

How can I request a refund or dispute a Xero charge?

If you believe you’ve been incorrectly billed (for example, duplicate organizations, continued billing after a requested cancellation, or an unintended plan upgrade), log into Xero and go to **support.xero.com** to submit a support case. Provide details such as the organization name, date and amount of the charge, last four digits of the card, and why you’re requesting a refund. Xero reviews refund requests individually and may credit or refund where there’s clear evidence of an error or special circumstances, but ongoing subscription fees are generally non‑refundable once a billing period has started.

Why do I see a small $0–$2 Xero charge or a pending authorization on my card?

When you add or update a payment card in Xero, the payment processor may place a small temporary authorization (often $0–$2) to verify that the card is valid. This is not an actual charge and should disappear or reverse automatically within a few business days, depending on your bank. If a small amount remains posted after a week, contact your bank first, then raise a case with Xero support if needed, including a screenshot of the transaction.

Can my accountant or bookkeeper be the reason I’m seeing a Xero charge?

Yes. In many cases, an accountant or bookkeeping firm sets up and manages a Xero subscription on behalf of their clients. The subscription might be in your company’s name but controlled through their Xero partner account, or, less commonly, they may recharge you for Xero as part of their monthly service fee. If you don’t recognize the charge, check whether your accountant uses Xero and ask them to confirm whether this subscription is tied to your engagement.

Where can I find my Xero invoices and billing history to match against this charge?

After signing into Xero as a subscriber, go to **Organization → Subscription & Billing** (wording can vary slightly by region) to view your current plan, past invoices, and payment history. You can download PDF invoices or receipts from this section and match the invoice number, date, and amount to the transaction on your card or bank statement. If you don’t have direct access (for example, your accountant manages the subscription), ask them to send you a copy of the latest Xero invoice for your records.

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