Will every Stripe record post to Xero automatically?

Not always. Within seconds of Stripe firing the event, Well scores the record on field completeness, counterparty strength, and policy fit. Above the 85% default auto-link threshold Well forwards the reconciled document to your Xero email-in address and Xero drafts the record from it for you to confirm. Between 55% and 85% the record waits in the review queue with the alternative matches ranked. Below the 55% default review threshold the record is refused and the candidate list kept so you can pin the right entry by hand.

How does Well match Stripe records to entries in Xero?

Every Stripe charge is scored against your open Xero sales invoices and existing customer records on customer name, amount, currency, and reference. Above 85% the charge collapses onto the right invoice and Stripe reconciliation builds the matched journal entry in Well's ledger, the ledger accounts mapped and the matched customer and payment pre-filled, ready for you to post to Xero. Between 55% and 85% the candidate list is queued for review with the alternative customers ranked.

What happens to historical Stripe data when I first connect to Xero?

Stripe exposes the last two years through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Xero ledger, and re-running the backfill is safe because Well tracks the Stripe record IDs and updates existing Xero entries instead of duplicating them.

How does Well prevent duplicates when posting Stripe records to Xero?

Stripe sends each event with a stable resource ID that Well tracks against the Xero ledger. Webhook replays (which Stripe can issue for delivery retries) are recognised by ID and either skipped or used to update the existing Xero entry. Distinct records that look similar are caught by Well before posting, with the candidates surfaced in the review queue when confidence is ambiguous.

Can I customise which Stripe fields are sent to Xero?

The default mapping covers every Stripe field your Xero chart of accounts accepts (counterparty, amount, currency, reference, tax). From the integration settings page you can override mappings field-by-field, attach computed values from your connected data (GL code, project tag, tax bucket), or ignore fields Xero does not need. Custom mappings are versioned and apply only to records reconciled after the change, so anything you have already reviewed and posted in Xero is left exactly as it stands.

How does Well authenticate with Stripe and Xero?

Stripe's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Xero email-in address once it clears the matching threshold; Xero creates the draft record from it and you confirm and post it. Well holds no write credential to Xero. Tokens are encrypted in transit under TLS 1.3. Anything Well holds between Stripe and Xero is encrypted at rest and handled in line with GDPR.

Stripe to Xero

AvailableNative · StripeNative · Xero

Reconcile Stripe payments against Xero records

Every Stripe charge collapses onto the right customer match inside Well; the resulting documents arrive at Xero as drafts with vendor, amount, and date pre-filled by Xero's own OCR.

Connect both toolsView all integrations

Stripe

Source

The Stripe integration connects your payment infrastructure to Well via MCP, pulling charges, invoices, subscriptions, refunds, and payout data into your workspace automatically.

Xero

Target

The Xero integration connects Well to your accounting platform for bidirectional data flow.

Why this pair

Stripe settles invoices through charges and payouts, and Xero holds the ledger those records belong in, but the two do not reconcile on their own.

Well reads transactions, invoices, and the companies behind them from Stripe and the invoices and accounts it reads back from Xero, reconciles each payment to its invoice inside Well, and forwards the resolved document to your Xero email-in address. Your books work from a matched payment and a verified account rather than a hand-reconciled Stripe export.

What Well does between Stripe and Xero

One-way: Stripe into Well into Xero
Sync mode: Real-time MCP push
Events arrive in seconds

Trigger from Stripe

14 events · pick one

Well engine·recipe·When a Stripe charge succeeds

Source

from payment · live webhook

Lemon Studio

via Stripe

Charge

When a Stripe charge succeeds

ch_1q5nk · 22 Apr 2026€1,284.00

Extract

6 fields read from Stripe

6 fields read

CustomerLemon Studio
Charge date22 Apr 2026
Charge amount€1,284.00
CurrencyEUR
Processing fee€37.24

Enrich

against your historical record graph

4 fields added

Customer recordLemon Studio
Domainlemonstudio.io
Tax idFR42514682431
Sales journalVE · 2026

Confidence97%

<55% refused55–85% review≥85% auto-posts

Post

post as draft bills

Create a draft bill in Xero

auto-posted

posted

TypeBill
VendorLemon Studio
Amount€1,284.00
LedgerVE · 2026
Source docattached
Confidence97%

audit linkto Xero

Action in Xero

2 compatible with this trigger

Create a draft bill in XeroResolve a Xero contact from the document

Reconcile Stripe multi-currency charges to Xero entries.

01Featured

Reconcile against Xero records

Well reads invoices and accounts from Xero and Stripe transactions, and reconciles each payment to its invoice inside Well before forwarding the matched document to Xero's email-in address.

Resolve the account

Well resolves the company and people behind a Stripe record and attaches them to the forwarded document, so Xero carries a verified account.

Collapse duplicate accounts

Records resolving to the same company are treated as one business inside Well, so Xero does not carry the same account under two names.

Keep the evidence linked

The Stripe record Well reconciled stays linked to the Xero document, so each match traces back to the evidence it was built on.

18 signals and actions across Stripe and Xero

When a Stripe customer is updated
Pulls from the Stripe events feed. Detects changes to customer name, billing address, or tax id. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Company
When a Stripe subscription starts
Pulls from the Stripe events feed. Tracks new subscription records with cadence, amount, and customer. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Invoice
When a Stripe payout is created
Pulls from the Stripe events feed. Triggers on every payout batch with the underlying charges and fees. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a Stripe refund is issued
Pulls from the Stripe events feed. Captures partial and full refunds with the originating charge id. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a Stripe invoice is marked paid
Pulls from the Stripe events feed. Pulls the paid invoice with its line items, customer, and applied tax. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Invoice
When a Stripe payout lands in your bank
Pulls from the Stripe events feed. Detects the bank arrival of a Stripe payout to anchor the deposit. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a Stripe subscription cycle renews
Pulls from the Stripe events feed. Detects renewal cycles and links the new invoice to the recurring contract. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Invoice
When a Stripe customer is created
Pulls from the Stripe events feed. Pulls new customer records with name, email, and tax id where set. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Company
When a Stripe charge succeeds
Pulls from the Stripe events feed. Captures successful card and bank charges with currency, fee, and customer reference. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction

Reference

Field mapping for Stripe → Xero

15 fields across 3 record types, open to see the full table.

Transaction fields

5 fields flow from Stripe into Xero.

Stripe field	Label		Xero field	Label
charge.amount	Charge amount	→	Total	Amount
charge.currency	Currency	→	CurrencyCode	Currency
charge.created	Charge date	→	Date	Transaction date
charge.description	Description	→	Reference	Reference
charge.id	Charge id	→	BankTransactionID	Bank line id

Invoice fields

7 fields flow from Stripe into Xero.

Stripe field	Label		Xero field	Label
invoice.currency	Currency	→	CurrencyCode	Currency
invoice.number	Invoice number	→	InvoiceNumber	Invoice number
invoice.issue_date	Issue date	→	Date	Bill date
invoice.due_date	Due date	→	DueDate	Due date
invoice.tax	Tax total	→	TotalTax	Tax
invoice.subtotal	Subtotal	→	SubTotal	Subtotal
invoice.customer	Customer reference	→	Reference	Reference

Company fields

3 fields flow from Stripe into Xero.

Stripe field	Label		Xero field	Label
customer.name	Customer name	→	Name	Contact name
customer.tax_id	Tax id	→	TaxNumber	Tax number
customer.metadata.domain	Domain	→	Website	Website

Connect Stripe and Xero in three steps.

1
Connect Stripe
Click Connect with Stripe; Stripe's MCP server handles authorisation. Stripe's MCP server registers a read-scoped Well client through DCR; no credential paste, no shared secret.
- AuthOAuth 2.0
2
Map your accounts
Well discovers Stripe's charges, refunds, payouts, customers, disputes, and subscription events and the the Xero draft bills queue populated by Hubdoc. Match candidates are scored on counterparty name, amount, currency, and reference; you approve any that need a human eye and Well saves the rule for the next batch.
- Auto-post above85% confidence
- Overridemanual anytime
3
Connect Xero
Click Connect with Xero; Well's OAuth proxy handles Xero authorisation through Dynamic Client Registration. Xero's MCP server registers a write-scoped Well client through DCR; no credential paste, no shared secret.
- AuthOAuth 2.0
- First syncup to an hour

33 agent skills run on Stripe and Xero.

Each one answers a question from the data this pair brings in. The required ones return nothing until a source like it is connected.

Needs a source like these

Chase late invoices

Get a prioritized list of who to chase for payment, with their contact info and a message already drafted.

Rank clients by LTV

Find out what each customer is worth over its whole life, ranked from the most valuable down.

Company profile

Everything you know about one company, in one view.

Payment and invoice lookup

Find what payment settled an invoice, or catch every payment that never got one.

Missing receipts

Find the bills with no paperwork attached, before an auditor does.

Recurring revenue

Know what you can count on earning each month, averaged over real months.

SaaS billing

See who cancelled, which payments failed and what was refunded, read live from Stripe, Paddle or Lago.

Prefill Form 1120

Get page 1 of your 1120 back as a PDF with your own book figures already in the boxes, and a list of every box left for your preparer.

Prefill Form 1099-NEC

Get one 1099-NEC per contractor back as a PDF with your own posted figures already in box 1, and the list of payees you cannot file for yet.

VAT radar

See the net VAT your posted ledger shows for a quarter and which invoices to fix first.

Accounting reports

Read your profit and loss or balance sheet straight from QuickBooks or Xero.

Answers better with these connected

Runway

Know how many months of cash you have at your current burn, with both sides of the division shown.

Cost structure

See where your company's money actually goes, no spreadsheets required.

Receivables aging

See who owes you money, and how long they have been sitting on it.

Bills due

See what you owe and when, ordered by due date with a running total.

FX exposure

See how much of your cash and receivables sit outside your reporting currency.

Missing supplier invoices

See which suppliers owe you paperwork, before your accountant asks.

Missing invoice sweep

Walk the whole month-end sweep in one prompt.

Close the books

Drive the month-end close from open to sent to your accounting tool.

Payables aging

See what you owe your suppliers, and how long each bill has been past due.

Board pack

The board numbers in one pass, each with its scope and its window stated.

Compose a board

The measures you name, arranged on one board that stores the question rather than the answer.

Revenue by customer

See which customers your revenue came from in a period, ranked, with the part you could not place named.

Supplier spend register

See what you paid each supplier over a year, ranked, with the invoices that could not be placed counted beside the total.

Unposted and blocked

See what in a month has not reached the ledger, and which pile each item sits in.

Check bank and books

Check that your bank and your books match, and re-run what missed rows.

Money back

Find the supplier refunds and VAT credits your company is still owed, with the evidence for each.

Check contractor status

For each supplier that looks like a freelancer, read the purchase invoices, the payment rail and any contract Well holds, and state the facts a requalification question turns on, next to the papers your country expects you to keep.

Uses them when they are there

Invoice design

Pick how an invoice prints, from the designs and records you already have.

Chart of accounts

Read the accounts your workspace posts to, number by number.

Connects and checks them

Check your connections

See what is connected, what is syncing, and what is missing.

Build your context graph

Connect your AI apps and your tools, then see your business as one context graph.

Tax id chase

The companies you deal with that carry no tax identifier, listed before year end.

Browse all skills

How Stripe and Xero stay secure with Well

Well connects to Stripe through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived Stripe secret; the server refreshes its own tokens on each session. Anything Well holds between Stripe and Xero is encrypted at rest and handled in line with GDPR.

MCP server authEncrypted at restGDPR compliant

Scopes Well requestsmcp.stripe.com

Read Stripe records
Scoped to charges, refunds, payouts, customers, and related records. No access to anything else in your Stripe account.
granted
Deliver documents to your Xero inbox
Well forwards the extracted document to your Xero email-in address; Xero reads draft bills via email-in, with contact, dates, totals, and related records from it and you review and post. No write credential to Xero is requested.
granted
Modify or delete Stripe records
Not granted. Stripe is read-only on Well's side; the source of truth never moves.
refused
Read other workspaces' data
Not granted. A session resolves only to the workspaces your account belongs to, and Well checks that membership before it returns any record.
refused

Disconnect any time from Well settings or Stripe’s admin panel.

Frequently asked questions about Stripe and Xero on Well

01Will every Stripe record post to Xero automatically?: Not always. Within seconds of Stripe firing the event, Well scores the record on field completeness, counterparty strength, and policy fit. Above the 85% default auto-link threshold Well forwards the reconciled document to your Xero email-in address and Xero drafts the record from it for you to confirm. Between 55% and 85% the record waits in the review queue with the alternative matches ranked. Below the 55% default review threshold the record is refused and the candidate list kept so you can pin the right entry by hand.
02How does Well match Stripe records to entries in Xero?: Every Stripe charge is scored against your open Xero sales invoices and existing customer records on customer name, amount, currency, and reference. Above 85% the charge collapses onto the right invoice and Stripe reconciliation builds the matched journal entry in Well's ledger, the ledger accounts mapped and the matched customer and payment pre-filled, ready for you to post to Xero. Between 55% and 85% the candidate list is queued for review with the alternative customers ranked.
03What happens to historical Stripe data when I first connect to Xero?: Stripe exposes the last two years through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Xero ledger, and re-running the backfill is safe because Well tracks the Stripe record IDs and updates existing Xero entries instead of duplicating them.
04How does Well prevent duplicates when posting Stripe records to Xero?: Stripe sends each event with a stable resource ID that Well tracks against the Xero ledger. Webhook replays (which Stripe can issue for delivery retries) are recognised by ID and either skipped or used to update the existing Xero entry. Distinct records that look similar are caught by Well before posting, with the candidates surfaced in the review queue when confidence is ambiguous.
05Can I customise which Stripe fields are sent to Xero?: The default mapping covers every Stripe field your Xero chart of accounts accepts (counterparty, amount, currency, reference, tax). From the integration settings page you can override mappings field-by-field, attach computed values from your connected data (GL code, project tag, tax bucket), or ignore fields Xero does not need. Custom mappings are versioned and apply only to records reconciled after the change, so anything you have already reviewed and posted in Xero is left exactly as it stands.
06How does Well authenticate with Stripe and Xero?: Stripe's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Xero email-in address once it clears the matching threshold; Xero creates the draft record from it and you confirm and post it. Well holds no write credential to Xero. Tokens are encrypted in transit under TLS 1.3. Anything Well holds between Stripe and Xero is encrypted at rest and handled in line with GDPR.

Connect Stripe and Xero

Link both tools to Well so Stripe payments reconcile against verified Xero records.

Try Well free

Read-only scopes on Stripe
AES-256 at rest, TLS 1.3 in transit
GDPR compliant
Revocable Xero access in one click

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Bill.com

See the Bill.com connector

Melio

See the Melio connector

Freshbooks

See the Freshbooks connector

Last reviewed: 2026-05-26