Xero
    FinTech

    Canadian FinTech: Xero Invoice Payment Links via Direct Banking

    FinTech company in Canada

    Time-to-payment
    Reduced 40%
    Manual reconciliation
    Cut by 70%
    Payment success rate
    99.1%
    Customer onboarding
    Under 24 hours

    Challenge

    The FinTech needed to embed its payment and direct-banking rails into Xero invoices so customers could settle invoices without leaving the platform, while finance teams received automatic reconciliation cues.

    Solution

    • Built a custom Xero integration using the Xero API and OAuth 2.0 to read invoice records
    • Generated branded payment links that route transactions through the FinTech platform and direct banking system
    • Implemented webhook-driven payment status updates back to Xero for automated reconciliation
    • Added fallback handling for partial payments, refunds, and failed bank transfers

    Technologies

    Xero API
    OAuth 2.0
    Node.js
    PostgreSQL
    Banking APIs

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