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i'm with everyone else, why should we be bound to Stripe, this should be a Xero feature not a 3rd party feature.

To All those asking for this feature without Stripe. Its already there! You can Match any value payment to an unpaid invoice in multiple ways. The ONLY thing the Deposit function does is use a payment link for a lesser amount than yhe invoice amount. Usually the payment link to Stripe is only for ull payment.

This must NOT be associated with Strip only! Even though we use Stripe it's not right.

This desperately needs to be available without stripe. This should NOT be fee essential to use this feature.

I agree that this needs to be available for non-Stripe users, need this option as I am over having to do separate invoices and manually working out the amounts, can sometimes get very confusing.

Has Xero ever provided a satisfactory explanation as to why this basic feature isn't available without signing up for Stripe. Why it wasn't available from the very first Xero software release is bizarre and why it continues to be unavailable is remarkably bizarre. All our invoices are paid via bank transfers.

@Bianca Davitt

Xero has quickly become the most un-accountant friendly company.

Our company CANNOT use Stripe so we NEED other options!

We had Stripe originally when we opened our first website shop. Within our first 10 web orders, Stripe flagged one as "possibly fraudulent". We contacted the customer, they were real. Our engineer even went to site himself and installed our products. The payment went through, we got the money and we marked it as delivered. All good....... or so we thought!

Because we "ignored" Stripe's "possible fraud" warning and went ahead with the order instead of cancelling it, we now have a LIFETIME BAN and there is no appeal process!

So we have used WorldPay instead for the last 8 years without a single issue. WorldPay have been BRILLIANT. Would recommend a million times over Stripe!

Xero - you 100% have to let us use other payment methods. No way around it. Sort it out.

Please make it available on invoices that don't use Stripe!

We have Stripe account, but the Stripe fees are a detractor, as customers would prefer EFT payments anyway!

This is critical to my business work flow, I have stripe and would appreciate a chance to use. I have had a career in IT, starting in 1973 as a COBOL programmer and finishing as an IT Manager/IT Consultant. I am now extensively using AI in our small family business. I am using Claude Cowork connected to Xero, and I also find this very limiting at this point. Hoping this can move forward quickly.

Non Stripe user feeling fleeced yet again by XERO.

XERO users have been asking for this for years, including non Stripe users.

Feels like this is purely a financial delay.

Loving the new deposit payment process. We request a 10% deposit on most of our invoices and have often been asked if they can pay with credit card.
There are a few teething problems
- email template not available to correct a few typing errors $AUD 4,596.00. A deposit of $459.60 AUD
- invoice doesn't show it has been sent on the customers file (this may have been fixed) or invoice page
- If deposit is paid via cc you do not receive a notification so just need to keep checking
Looking forward to further updates.

Hi Kelly — please include City of Darwin Cruises in the next rollout wave. We're already connected to Stripe (CODC org). We're a charter business and currently send two separate invoices per booking (deposit + balance). This feature would replace a real, daily workflow pain point. Happy to provide feedback. Thanks.

I've been waiting for (and asking for) this feature for years. Please make it available on invoices that don't use Stripe.

With the removal of the ability to charge a Credit Card fee in Australia from the 1st Oct 2026, using the ability to take a deposit payment as implemented by XERO would actually cost small businesses money.

Why have Xero hitched your cart to a credit card merchant opposed to making this a universal feature. Seems like you have taken a short cut to a feature requested for over 10 years. This is so frustrating.

Love the progress on the new deposit feature — this is very close to becoming a functional replacement for our current process.

The last step that would make it truly usable for businesses like ours is the ability to easily record customer deposits as **prepayments / customer deposits**, rather than as payments against an invoice.

For our workflow, the deposit cannot immediately come onto the books as a regular invoice payment and create tax liability months before the project becomes taxable. We pay tax when we install the custom products that we fabricate or order from suppliers. That installation is the taxable event for us, not the day the customer gives us a deposit to begin the project.

What we need is a simple workflow where:

1. A customer pays a deposit through the Xero/Stripe deposit feature.
2. When the payment comes in, we can reconcile it as a **customer prepayment / deposit**, not as taxable invoice income.
3. That creates a credit on the customer’s account.
4. When the project is installed and becomes taxable, we create the final taxable invoice.
5. We then apply the customer’s deposit/prepayment credit against that final invoice.

Right now, I’m considering a workaround: when the Stripe payment comes through, I may try to record it as a prepayment instead of simply reconciling it as an invoice payment. But the dream would be for Xero to make this a built-in option.

In short: the deposit feature is great, but for custom work, construction, fabrication, and similar businesses, we need a way to collect a deposit without prematurely recognizing the sale or creating tax liability before the actual taxable event occurs.

Will paying deposits on invoices be available without using stripe?

we need to do this for draft invoices as well

I now have access to this, which is great. it's clearer and easier for my clients rather than having to explain to them that they can pay a deposit with a bank transfer, but not credit card. Great job!

A couple of little bugs you may or may not be aware of:
1) 'sent' is not showing in the invoice list when i request a deposit on an invoice
2) the deposit and balance email template is not available to edited in email settings.

Will paying deposits on invoices be available without using stripe?