GoCardless has no Xero bank feed. Import the payout export as one.
GoCardless connects to Xero as a payment service for collecting invoice payments, but there is no bank feed for the GoCardless account itself, and the clearing account the integration creates has none either. StatementClear posts the account's own activity into Xero as live feed lines.
GoCardless pays you out net of fees, and nothing feeds the account that activity flows through - Xero only ever sees the lump-sum payout arriving at the bank. If you collect direct debits outside Xero-raised invoices, or just need the fee and failure lines in the ledger, that means monthly exports and manual tidying. StatementClear turns those exports into a live bank feed in Xero, deduped and ready to reconcile.
Why there is no feed for your GoCardless account
GoCardless connects to Xero as a payment service for collecting invoice payments, but there is no bank feed for the GoCardless account itself - the clearing account the integration creates has no feed of its own, and a GoCardless bank feed remains an open request on Xero's product ideas board.
GoCardless settles net: each payout deducts per-transaction fees before it leaves, and one payout can bundle dozens of collections, minus fees, minus any failed or charged-back direct debits reversed since the last run. Failures are the awkward part - a direct debit can bounce days after collection, surfacing as a negative line against a later payout, long after the original payment looked settled. The dashboard's payout export lists every payment, fee and refund behind each payout, but nothing in Xero receives it: the integration's clearing account has no feed, and payments collected outside Xero-raised invoices never appear at all. StatementClear posts that export as a live feed for a GoCardless account in Xero, deduped and sign-checked, so payouts to the bank reconcile as transfers and the fee and failure lines finally exist in the ledger.
The manual way, every month
- Log in and export a statement (and hope the format didn't change)
- Reformat columns, dates and signs until Xero's importer accepts it
- Upload the CSV into the right account and pray nothing doubled up
- Eyeball the balance, fix what broke, repeat next month
And after all that, it still isn't a feed - it's a one-off import you'll redo next month.
The StatementClear way: a real feed
Upload the statement and it posts into Xero as a live bank feed through Xero's Bank Feeds API - deduped, balance-checked and ready to reconcile. Not another file to import. Converters hand you a CSV; this arrives in Xero the way a bank feed does.
- Step 1
Connect Xero
Link your org and pick the account that has no feed.
- Step 2
Upload your GoCardless statement
PDF, CSV or Excel - whatever you can export. Map the columns once and we remember the mapping.
- Step 3
We check it first
Duplicates are skipped, the running balance is verified, and sign errors are caught before anything posts.
- Step 4
It lands as a feed
Clean lines arrive in Xero through the Bank Feeds API, ready to reconcile.
Questions about GoCardless and Xero
Related accounts
Stop importing GoCardless statements. Start feeding them.
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