Transiqe connects your Xero invoices to your own bank's card gateway. Customers pay in one tap or switch on autopay, and every payment lands back in Xero as reconciled. No middleman holding your money, no per-invoice margin.
Setup takes an afternoon, mostly waiting on your bank. After that, Transiqe watches Xero and does the chasing.
Authorise Transiqe once. We read your contacts and invoices, and we record payments against invoices when they're paid. Nothing else changes in Xero.
Enter the merchant ID and password NAB gives you. Card details are entered on the bank's own secure page, and settlements go to your NAB account the same day.
Paste one link into Xero's payment services. From then on every invoice, including the ones from repeating templates, has a card button and a customer portal behind it.
Every card payment, every scheduled charge and every Xero write-back in one place, so you never wonder whether a payment made it into the books.
| When | Customer | Invoice | Amount | Result | Xero |
|---|---|---|---|---|---|
| Today, 9:02 am | Marcus Bell | INV-0231 | $594.00 | autopay | recorded |
| Today, 8:40 am | Olive & Co Pty Ltd | INV-0229 | $1,320.00 | paid by card | recorded |
| Yesterday | Priya Sharma | INV-0226 | $121.00 | paid by card | recorded |
| Yesterday | Dan Harker | INV-0224 | $66.00 | retry Fri | open |
From 1 October 2026 card surcharges are banned in Australia. Transiqe never adds one, and because the fee is your bank's merchant rate, there's no third-party margin to absorb.
Customers save a card once and choose when they're charged: on issue, on the due date, or a few days before. Retainers and repeating invoices just get paid.
Every successful payment is recorded against its invoice in Xero within seconds, referenced with the bank transaction ID, so your bank feed matches first time.
When a contact is created in Xero, their portal already exists. They sign in with an emailed link, see every invoice, pay, and manage their saved cards.
Pay links when invoices are issued, receipts when they're paid, a friendly note and a retry when a card declines. You see every email in the outbox.
Your customers type card numbers on the bank's hosted page. We keep only the token the bank hands back, which keeps you and us out of card-data compliance headaches.
One tap from the invoice email, or a portal where everything is in one place. No account to create, no password to forget, no surcharge at the end.
| Follow-up consultation | $95.00 |
| Exercise band | $15.00 |
| GST | $11.00 |
| Amount due | $121.00 |
You will be taken to NAB's secure page. No surcharge.
Indicative only. Your bank rate depends on your facility; the comparison is with typical pay-by-link add-ons that charge their own percentage plus a per-transaction fee.
| Typical pay-by-link add-on at 1.75% + 30c, 40 invoices | $187 |
| Your NAB Transact facility at 1.5%, settling to a NAB account | $150 |
| Transiqe platform fee | from $29 / month |
| And from 1 October 2026 you can't pass any of it on as a surcharge, so the rate you pay is the rate you keep. |
Payment-link services sit between you and your money, take a cut of every invoice and settle on their timetable. Transiqe is software: your merchant facility, your settlement, your rate, with the automation on top.
See pricingFree while you set up. Connect Xero in two minutes, add your NAB details when they arrive, and send your first pay-by-card invoice.
You need a NAB merchant facility (NAB Transact), which NAB sets up for you. It settles to any Australian bank account, though NAB's best rate and same-day settlement apply when it settles to a NAB business account. Other banks' gateways are on the roadmap.
No. Card payments go from your customer to your merchant facility and settle to your bank account. Transiqe only moves the information: the invoice to the customer, the payment back to Xero.
Xero generates them like any other invoice, so Transiqe sees them the same way. If the customer has autopay on, the invoice is charged on the schedule they chose. If not, they get a pay link.
They get an email with a link to pay another way or update the card. Transiqe retries every two days, up to three attempts, then stops and tells you both. The invoice stays open in Xero the whole time.
Not on eftpos, Visa or Mastercard. The Reserve Bank's ban started on 1 October 2026, so Transiqe never applies a surcharge to those. American Express is outside the ban, and you can set an Amex-only cost-recovery fee if your facility accepts it.
They'll see payments appear against invoices in Xero with the bank reference in the description, recorded to the account you choose (your bank account or a clearing account). Nothing else in Xero changes.
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