Allow merchants to restrict card types and international cards for Stripe payments
Australian businesses using Stripe payments through Xero need greater control over which cards they accept.
Currently Xero allows us to enable or disable “Card” payments, including at individual invoice level, but does not allow merchants to restrict card payments by card network or country of issue.
We would like the ability to:
- Accept Australian-issued Visa and Mastercard
- Disable American Express
- Disable international-issued Visa and Mastercard
- Disable other higher-cost card networks where required
- Apply these controls as organisation defaults, while retaining invoice-level Card on/off controls
This has become particularly important following the removal of card surcharging in Australia. Merchants now absorb the processing cost, while different card types can have materially different processing fees.
This is especially significant for B2B businesses where invoices can be several thousand dollars. Merchants should not have to choose between accepting every card type supported by the payment gateway or disabling card payments altogether.
Xero already provides useful controls allowing Card and PayTo to be enabled or disabled on individual invoices. Extending this to card network and domestic/international card acceptance would give businesses appropriate control over their payment costs while still allowing them to offer convenient online payments.
Aaron Pye
shared this idea
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