Card machine for Xero

Card machines that integrate with Xero for automatic transaction reconciliation. Saves manual data entry; reconciliation closes nightly without touching the till.

Who uses Xero

UK SMBs running Xero as their accounting platform, the dominant cloud-accounting choice for small UK Ltd companies.

Best acquirers for this stack

  • Square (native Xero integration via App Marketplace)
  • Stripe (via Stripe-Xero connector)
  • Tide (Xero integration on the banking side)
  • Dojo (CSV export, no native Xero plugin as of April 2026)

How the integration works

Most acquirers either ship a native Xero plugin or rely on the bank-account integration: card transactions settle to the business account, the account is connected to Xero, and Xero auto-categorises. Native plugins (Square) carry transaction-level detail; bank-account routes carry batch-level only.

Watch outs

  • Native plugin sync intervals vary; daily is standard.
  • Bank-account-only routes lose tip / refund granularity.
  • Reconciliation rules in Xero need configuring per acquirer to handle their fee deductions correctly.

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Last reviewed: 2026-04-26.