Native support for UK open-banking (Pay by Bank) payment providers on invoices, with auto-reconciliation
UK businesses increasingly want to offer Pay by Bank / open-banking (A2A) payments on their Xero invoices to cut card fees and get settled via Faster Payments in seconds but adding these providers as a first-class "payment service" on invoice templates is still clunky compared to Stripe/GoCardless.
Two things would make a big difference for UK users and integrators:
Easier onboarding of open-banking PISP providers as a selectable payment service (the Pay Now button), on par with the existing card/direct-debit options.
Automatic reconciliation of those settled payments back to the originating invoice since A2A payments arrive as a clean bank credit, they should match to the invoice without manual clearing or fee-line guesswork.
This would reduce card processing costs and largely remove the payout-vs-invoice reconciliation headache that comes with card gateways.
Arun Bathini
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