Been searching for something like this for months. Our Shopify store processes 500+ orders monthly and this handles everything perfectly. Date formats, tax columns, refunds - all correct.
Connect PayPal to Xero — Free CSV-Based Integration
or drop .csv, .xls, .xlsx files here
or
Invoice import blocked if Sales Tax enabled in QBO
Connect Complete
Xero Bank Statement Format
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Credits Calculation:
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|---|---|---|---|
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more errors hidden. Download the full validation report to see all errors.
Validation Report Download
The download includes your original file with an added "Validation Error" column showing error messages for each row. Valid rows have an empty error column.
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What Our Users Say
works good, wish it had batch mode
I was spending 4-5 hours every month reformatting exports manually. This tool paid for itself in the first use. The preview feature helped me verify the mapping before paying.
exactly what i needed thx!!
Super straightforward. Upload, convert, download. No account needed which is nice. Would give 5 stars if they add Xero support.
saved me hours of work
My accountant was so happy when I sent her the converted file. No more back-and-forth about date formats or missing columns. Everything imported correctly on first try.
fast and easy 10/10 would recommend
Been using this for 6 months for monthly reconciliations. Handles all the edge cases - partial refunds, multi-line orders, currency conversions. Very reliable tool.
Good tool, does what it says. Interface could be bit better but conversion quality is excellent. Using it for my 3 Shopify stores.
Switched from A2X to this. Way simpler for my needs - I don't need real-time sync, just clean data once a month. This delivers exactly that.
finally!! something that works with QB desktop!!
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How are credits calculated?
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Ready to connect your own data?
The free, reliable way to connect PayPal with Xero accounting. Convert your PayPal Activity Download to Xero bank statement format for seamless financial integration without third-party apps.
No API required
Browser-based processing
Run on Google Cloud Platform
How It Works
1
Export from PayPal
Download your Activity Report as CSV from PayPal
2
Convert Format
Upload to converter, select your Xero region and preferences
3
Create PayPal Account in Xero
Add a bank account called 'PayPal' to hold transactions
4
Import & Reconcile
Import the converted file and match with invoices/expenses
Why Use CSV to Connect PayPal to Xero
The Integration Landscape
PayPal and Xero offer various integration options - bank feeds, third-party apps,
and API connections. But these often cost money, have limitations, or require
technical setup. Our CSV-based approach is free, works with any PayPal account
type, and gives you complete control over your data. No subscription fees,
no sync errors, no dependency on third-party services.
Complete Data Control
With CSV integration, you see exactly what data is being transferred. You can
verify totals before importing, filter by date range or currency, and handle
special transactions manually when needed. This transparency is valuable for
accountants and business owners who need to understand their financial data.
Your Data is Safe
Bank-Level Security
256-bit SSL encryption. Same standards as major financial institutions.
No Data Storage
Files are processed directly in browser. No calls to our servers.
GDPR Compliant
Full EU data protection compliance. Your privacy rights protected.
Field Mapping
How Paypal Transactions fields map to Xero Bank Statement
| Paypal Transactions | Source Value | Xero Bank Statement | Target Value | Note | |
|---|---|---|---|---|---|
Date |
01/15/2025 |
→ | Date |
01/15/2025
|
Transaction date |
Net |
97.10 |
→ | Amount |
97.10
|
Net amount (single mode) |
Gross |
100.00 |
→ | Amount |
100.00
|
Gross amount (two-line mode) |
Fee |
-2.90 |
→ | Amount |
-2.90
|
PayPal fees (two-line mode, negative) |
Name |
John Smith |
→ | Payee |
John Smith
|
Counterparty name |
Transaction ID |
9AB12345CD678901E |
→ | Reference |
9AB12345CD678901E
|
PayPal transaction ID |
Why Use This Tool?
Free Integration
No subscription fees. Convert and connect as often as you need.
Fee Tracking
Optionally split PayPal fees as separate entries for expense tracking.
Refund Sync
Properly handles refunds as negative amounts for accurate records.
Multi-Currency
Filter by currency for clean integration into currency-specific accounts.
Any PayPal Account
Works with Personal, Business, and Merchant accounts equally.
Privacy Protected
All processing in your browser. Financial data never leaves your device.
Data Transformation
Each PayPal transaction becomes 1 or 2 bank rows depending on mode
Input
PayPal Transaction
One Activity Download row with Gross/Fee/Net
Key columns:
Transaction ID,
Date
1:N — One input row creates multiple output rows
Output
Xero Bank Line
1 or 2 rows per
input
Transaction Line
Money movement
DR
Fee Line (two-line mode only)
PayPal fees (negative)
Net amount = Gross + Fee
Common Bank Statement Import Errors
Issues you might encounter when importing Activity Download data to Bank Statement - and how we solve them
Gross + Fee ≠ Net
PayPal fee calculation doesn't match Net
Gross: $100, Fee: -$2.90, Net: $98.00
Computed: Fee Effect = Net - Gross = -$2.00
Use FeeEffect = Net - Gross for accurate fee tracking
This handles fee reversals and adjustments correctly
Pending Transactions
Pending transactions haven't settled yet
Status: Pending, Net: $100.00
Skipped (not balance-affecting yet)
We filter to only Completed transactions
Re-export after transactions settle
Refunds Linked to Original
Refunds reference original transaction
Type: Refund, Reference Txn ID: ABC123
Amount: -$100 (negative reversal)
Refunds appear as negative amounts
Bank balance stays accurate with refunds included
Multiple Currencies
PayPal holds multiple currency balances
USD: $500, GBP: £200, EUR: €100
Split by currency or single currency
Filter by currency or import to matching bank account
Use currency filter option for multi-currency Xero
Bank Transfers
Withdrawals to bank appear as negative
Type: Bank Transfer, Net: -$1000
Amount: -$1000 (outflow from PayPal)
This is correct - money left PayPal to your bank
Match with incoming deposit in your actual bank account
Frequently Asked Questions
Yes, our converter is free for small files. Unlike monthly subscription integrations that charge $10-50/month, you only pay for large file conversions. For most small businesses doing monthly reconciliation, it's completely free.
Bank feeds are automatic but may miss transaction details, cost extra, or not work with all PayPal account types. CSV import gives you complete control, works with any account, and includes full transaction details like descriptions and references.
No. This is a file-based approach. You export from PayPal, convert with our tool, and import to Xero. No API setup, no OAuth, no technical configuration required.
Monthly is common for bookkeeping. Some businesses sync weekly for high-volume accounts. The frequency depends on your reconciliation needs - there's no sync limit.
Create separate bank accounts in Xero for each currency. Use our currency filter to export one currency at a time and import each to the matching Xero account.
This is a manual CSV workflow, ideal for periodic reconciliation. If you need real-time automation, consider Xero's bank feed options or third-party integrations. Manual CSV is more reliable and gives you data control.
Paypal → Xero Data Ecosystem
All available data flows from Paypal to Xero
Paypal
Activity Download
PayPal transaction history with payments, fees, refunds, and transfers
→
Xero
Bank Statement
Bank transactions for reconciliation
Date → Date
Net → Amount
Gross → Amount
Paypal
Activity Download
PayPal transaction history with payments, fees, refunds, and transfers
→
Xero
Contact
Customer or supplier contact records
Name → Name
From Email Address → EmailAddress
Contact Phone Number → PhoneNumber
Paypal
Activity Download
PayPal transaction history with payments, fees, refunds, and transfers
→
Xero
Sales Invoice
Sales invoices for accounts receivable (B2B, payment terms)
Name → ContactName
From Email Address → EmailAddress
Invoice Number / Transaction ID → InvoiceNumber