Adyen Xero Integration

🥦

Integrate Complete

Xero Bank Statement CSV Format
valid rows

Seamless Adyen payment and Xero integration using CSV. No API setup, no subscription, no complex configuration.

Free preview — then from $5. Save with bundles.
Free preview before you pay
Files never leave your browser
No account needed to start

Download Sample Adyen Export

Sample CSV to test the converter

Download Sample

Tool Rating

4.7 / 5 (51 votes)

How Adyen ↔ Xero Integration Works

1

Export from Adyen

Reports → Settlement details → Download CSV

2

Upload and Configure

Upload Settlement Details Report CSV and choose Bank Statement format

3

Preview and Download

Review converted data, download Xero-ready file

4

Import to Xero

Accounting → Bank Accounts → Select Account → Import Statement

Your file is ready for Xero Bank Statement CSV — just upload it, no extra steps needed.

Field Mapping

How Adyen Settlements fields map to Xero Bank Statement

Adyen Settlements Source Value Xero Bank Statement Target Value Note
Creation Date 2025-01-15T14:30:00+00:00 → Date 01/15/2025 Settlement date formatted per Xero region
Gross Credit 100.00 → Spend Sales income (positive for revenue)
Gross Debit 0.00 → Spend Refunds/Chargebacks (negative for outflows)
Commission 1.50 → Spend Processing fees (negative, tracked separately if split)
Markup 0.50 → Spend Processing fees (negative, tracked separately if split)
Scheme Fees 0.20 → Spend Interchange fees (negative, tracked separately if split)
Interchange 1.00 → Spend Interchange fees (negative, tracked separately if split)
Net Credit 96.80 → Spend Net deposit amount (what hits your bank)
Psp Reference 8825408195441178 → Reference 8825408195441178 Adyen's unique transaction ID
Batch Number 12345 → Reference 12345 Settlement batch identifier

Data Transformation

Each settlement transaction creates multiple Xero bank rows: one for gross amount, plus separate rows for each fee component if split_fees is enabled

Input Adyen Settlement Transaction

One row per transaction with gross amount and fee breakdown

Key columns: Psp Reference, Type, Gross Credit, Net Credit
1:N — One input row creates multiple output rows
Output Xero Bank Rows 2-5 (depends on split_fees setting) rows per input

Multiple spend rows for gross income and fee tracking

Gross Transaction Sale, refund, or chargeback at gross amount
Commission Fee Adyen commission (if split_fees enabled)
Markup Fee Adyen markup (if split_fees enabled)
Scheme Fee Card scheme fees (if split_fees enabled)
Interchange Fee Interchange fees (if split_fees enabled)
All transaction amounts sum to net deposit (matches bank statement)

Adyen ↔ Xero Integration Questions

Which Adyen report should I use?

Use the Settlement Detail Report from Customer Area → Account → Reports → Settlement Details. This contains the transaction details needed for conversion to Xero.

How are refunds handled?

Refunds and chargebacks are automatically converted to negative amounts in the Money Out column for proper bank reconciliation.

What about Adyen processing fees?

Adyen fees (Commission, Markup, Scheme, Interchange) are typically deducted before settlement. Import net amounts to match bank deposits.

Why Automate Adyen ↔ Xero Transfer?

No API Setup Required

Works with standard Adyen CSV exports. No OAuth, no API keys.

60-Second Conversion

Upload → Preview → Download. No waiting for sync or rate limits.

Automatic Refund Handling

Refunds and chargebacks automatically converted to negative amounts.

Multi-Currency Support

Handle settlements across multiple currencies. Process each separately.

Region-Aware Date Formatting

Supports UK, US, AU, NZ, and EU Xero organizations with proper date formats.

Browser-Based Privacy

Files process locally. Your payment data never leaves your computer.

How People Use Adyen ↔ Xero

We run Adyen across our UK and EU storefronts and the date format differences were causing constant Xero import failures. The region-aware conversion handles DD/MM/YYYY for our UK org perfectly. Reconciliation that took 4 hours now takes 20 minutes.

James W.
Finance Manager · 6,500 transactions/mo

Managing Adyen settlement reports for multiple clients in Xero was a formatting headache every month. I converted 1,200 transactions across 3 clients last week and the PSP references carried through to the Xero bank statement for easy matching.

Annika S.
E-Commerce Accountant · 9 Adyen merchant accounts

Our Adyen settlements include refunds, chargebacks, and multi-currency batches. Converting everything to Xero bank statement format manually meant hours of spreadsheet work. Now the negative amounts for refunds are handled automatically and I just upload to Xero Banking.

Daniel O.
Operations Director · $2.8M monthly volume

Why Adyen Transactions Don't Import Cleanly to Xero

The Settlement Format Problem

Adyen deposits settled transactions to your bank account, but their Settlement Detail Report doesn't match Xero's bank import format. Without proper formatting, you'd manually enter each transaction or spend hours reformatting CSV columns to match Xero's requirements.

What This Tool Does

We automatically convert Adyen exports to Xero-compatible bank statements: - Extracts settlement dates and formats them for your Xero region - Converts refunds/chargebacks to negative amounts automatically - Maps PSP references to Reference field - Creates proper descriptions for bank matching - Handles multi-currency settlements Your Xero bank account matches your Adyen deposits exactly.

Common Bank Statement Import Errors

Issues you might encounter when importing Settlement Details Report data to Bank Statement - and how we solve them

Batch Numbers Don't Match Bank Deposits

Xero bank import shows wrong amounts because batch aggregation doesn't align with bank statements

Check if Adyen batches match your bank deposit schedule. Enable 'group_by_batch' and verify Batch Numbers in your export correspond to actual bank deposits.

Too Many Fee Rows in Xero

Xero bank import has 4-5 rows per transaction making reconciliation difficult

Disable 'split_fees' option to combine all fees into one line. Only split if you need detailed cost analysis.

Xero Rejects Import Due to Date Format

Xero can't parse dates because wrong regional format is used

Set the correct region (UK/AU/NZ/EU use DD/MM/YYYY, US uses MM/DD/YYYY). Check your Xero organisation settings.

Can't Match Transactions Without PSP Reference

PSP Reference column is missing, making it impossible to trace transactions back to Adyen

Ensure you're using the Settlement Details Report (not Transaction Report). Enable 'include_psp_reference' option to add PSP References to descriptions.

Multiple Currencies in One Xero Import

Xero import fails because file contains transactions in different currencies

Process each currency separately. Filter your Adyen export by currency before converting, or use Xero's multi-currency bank accounts.

Secure Adyen ↔ Xero Integration

Client-Side Integration

No server round-trips. Your Adyen ↔ Xero data is processed entirely in the browser tab.

Auto-Erased on Close

The moment you close the page, all Adyen ↔ Xero data is wiped from browser memory. No traces left.

EU Privacy Standard

Meets GDPR requirements by design — no data processing on external servers, ever.

More credits - more savings

Buy bundles and get up to 60% off. Perfect for recurring monthly conversions.

Frequently Asked Questions

You can, but free scripts and AI often miss edge cases that break real-world data: missing SKUs, currency formatting quirks, tax calculation errors, or date format mismatches. We have battle-tested validators specifically designed for accounting software imports that catch these issues before they corrupt your books. Plus, you get instant browser-based conversion without installing Python or managing dependencies.
Use the Settlement Detail Report from Customer Area → Account → Reports → Settlement Details. This contains the transaction details needed for conversion to Xero.
Select the format matching your Xero organization. UK/AU/NZ use DD/MM/YYYY, US uses MM/DD/YYYY. Using the wrong format will cause import errors.
Refunds and chargebacks are automatically converted to negative amounts in the Money Out column for proper bank reconciliation.
Adyen fees (Commission, Markup, Scheme, Interchange) are typically deducted before settlement. Import net amounts to match bank deposits.
Export your Settlement Detail Report from Adyen Customer Area, upload it to our converter, then import the resulting bank statement CSV into Xero via Banking. No API credentials or third-party app needed.
Process each currency's settlement separately and import to the appropriate bank account for each currency in Xero.
This tool is specifically for Xero. For QuickBooks, use our Adyen to QuickBooks converter which creates the correct QBO format.
Upload the converted CSV through Banking → Upload File in Xero. Select your Adyen bank account and import the transactions.
The PSP Reference is Adyen's unique transaction identifier. Include it in descriptions for easy transaction lookup and audit trails.
Adyen's Interchange++ pricing means fees vary per transaction. The CSV shows net amounts; use detailed reports to track fee components separately.
Yes. Don't import the same file twice, and review transactions before finalizing import in Xero to avoid duplicates.

Adyen → Xero Data Ecosystem

All available data flows from Adyen to Xero

Adyen Settlement Details Report Adyen settlement/payout reports with fees, charges, refunds, and batch information
→
Xero Bank Statement Bank transactions for reconciliation
Creation Date → Date Gross Credit → Spend Gross Debit → Spend
Payout reconciliation, fee tracking

Also available as

This platform pair is available in 1 other hub