Xero
Connect Xero once and Tuppence posts to it every day: a Receive Money and a Spend Money transaction in a Tuppence bank account for each business day, and a bank transfer for each payout. For UK and US organisations. How it works for every tool is on Accounting integrations.
- Connect*Settings › Accounting*
- Approveon Xero's page
- Set upTuppence account, defaults
- Postingevery day after 03:00
1. Connect
Section titled “1. Connect”- In Tuppence, open Settings › Accounting and choose Connect on Xero. You need to be an owner or admin.
- Sign in to Xero, pick the organisation and allow access.
- If you allowed more than one organisation, choose which one Tuppence posts to.
Setup then makes a bank account called Tuppence in your currency, picks your sales account
(200 Sales in Xero’s standard chart) and the bank account payouts go to, and runs the first
posting a minute later. It asks one question only if two of your bank accounts end in the same four
digits as the account Tuppence pays you into. Every choice shows on the Accounting page with
Change.
2. What Tuppence posts to Xero
Section titled “2. What Tuppence posts to Xero”| In Xero | What it is | Date | Reference |
|---|---|---|---|
| Receive Money in Tuppence, contact Tuppence sales | The day’s sales, a line for each kind of sale, plus tips, cashback and the like | The business day | Tuppence 13 Oct 2026 |
| Spend Money in Tuppence, contact Tuppence | The day’s Tuppence fees and refunds, a line for each | The business day | Tuppence 13 Oct 2026 |
| Bank transfer from Tuppence to your bank account | A payout, for exactly what arrived | The day it arrived | Tuppence payout po_… TUPPENCE |
| Manual journal | Customer credit used, moved from Customer credit to sales. No bank account moves | The business day | Tuppence 13 Oct 2026 |
Each Receive Money and Spend Money transaction links back to its day in Tuppence. Tuppence never marks anything as reconciled: you confirm the match.
A worked day
Section titled “A worked day”On 13 October: £120.00$120.00€120.00 of payment-link sales, including a £5.00$5.00€5.00 tip; a £2.00$2.00€2.00 refund; £3.42$3.42€3.42 of Tuppence fees.
| Xero transaction | Line | Account | Amount |
|---|---|---|---|
| Receive Money, Tuppence 13 Oct 2026 | Sales: payment links | 200 Sales | £115.00$115.00€115.00 |
| Tips to pass on | Tips (current liability) | £5.00$5.00€5.00 | |
| Spend Money, Tuppence 13 Oct 2026 | Refunds: payment links | 200 Sales | £2.00$2.00€2.00 |
| Tuppence fees | Tuppence fees (expense) | £3.42$3.42€3.42 |
The Tuppence account in Xero goes up by £114.58$114.58€114.58.
A worked payout
Section titled “A worked payout”The £114.58$114.58€114.58 reaches your bank on 15 October. Tuppence posts a bank transfer of
£114.58$114.58€114.58 from Tuppence to your bank account, dated 15 October, reference
Tuppence payout po_… TUPPENCE. Your bank feed shows the same £114.58$114.58€114.58 on 15 October.
3. Reconcile in one click
Section titled “3. Reconcile in one click”- In Xero, open your business bank account and choose Reconcile.
- The payout’s statement line shows Tuppence’s bank transfer as its match: same amount, same date.
- Choose OK.
4. VAT and sales tax
Section titled “4. VAT and sales tax”- Sales and refunds use the sales account’s own VAT rate, with amounts VAT-inclusive. Xero works out the VAT: £19.17 on the worked day’s £115.00 at 20%.
- In-person sales at the till split by the rates the till recorded, one line per rate.
- Tuppence’s fees post with No VAT by default. Your accountant can pick another rate under Change.
- Tips, chargebacks, cashback and customer credit are outside VAT.
- Sales and refunds post with no sales tax on the line.
- In-person sales at the till split by the rates the till recorded, one line per rate.
- Tuppence’s fees post with no tax. Your accountant can pick another rate under Change.
5. Problems and their fixes
Section titled “5. Problems and their fixes”| On the Accounting page | Fix |
|---|---|
| Turn on multi-currency in Xero (Comprehensive plan) | Your organisation’s base currency isn’t your Tuppence currency. Turn on multi-currency in Xero (the message links there), then check again |
| Xero is locked up to … | Your lock date is after your start date. Start from the day after it. A day inside the locked period later posts on the first open date |
| Which bank account do payouts go to? | Choose the bank account Tuppence pays you into |
| Add the bank account Tuppence pays you into to Xero | Add it in Xero, then check again |
| Reconnect | The connection expired or was revoked in Xero. Reconnect and allow access again |
| Xero refused another app | Xero limits how many apps it hasn’t certified yet can connect to one organisation. Disconnect one you no longer use in Xero’s connected apps, then connect again |
| A day out of step | A Tuppence transaction was deleted or changed in Xero. Choose Repost that day |
Pay now on your invoices
Section titled “Pay now on your invoices”Your customers can pay your Xero invoices by card through Tuppence. Each payment is recorded against its invoice in the Tuppence bank account, so the invoice shows as paid without any retyping.
- In Tuppence, open Settings › Accounting and copy the Custom payment URL from Pay now on your Xero invoices.
- In Xero, go to Settings › Invoice settings › Payment services, choose Add custom payment URL, name it Tuppence and paste the URL.
- Choose Edit next to it and tick the branding themes your invoices use.
- Send an invoice. Your customer sees Pay now on it.
- The payment page reads the invoice from Xero and asks for its amount due, whatever the link says.
- A part payment is fine: Xero lowers the amount due, and the next payment asks for what is left.
- A paid or cancelled invoice can’t be paid again.
- In Xero the payment is a Payment on the invoice into Tuppence, reference
Tuppence pay_…, on the day it was made. Tuppence’s fee on it is a Spend Money of its own that day, to the same fee account as the day’s other fees. The day’s sales leave the payment out, so nothing counts twice. - The invoice’s currency must be your Tuppence currency.
Test mode
Section titled “Test mode”Connected in test mode, Tuppence reads a real organisation and shows a preview of what it would post, creating nothing. Test data posts for real only to Xero’s Demo Company, and only a Demo Company’s invoices can be paid with test cards. Live data posts through a connection made in live mode.