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.
Reconcile Adyen in Xero — Complete Settlement Matching
or drop .csv, .xls, .xlsx files here
or
Invoice import blocked if Sales Tax enabled in QBO
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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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Ready to reconcile your own data?
Reconcile your Adyen settlements in Xero. Match batch settlements to bank deposits, track interchange fees, and close your books accurately.
No API required
Browser-based processing
Run on Google Cloud Platform
How It Works
1
Download Settlement Report
Adyen Customer Area → Reports → Settlement Details Report
2
Convert
Upload here, select your Xero region and fee options
3
Import to Xero
Import to Adyen Clearing Account in Xero
4
Reconcile
Match batch settlements to bank deposits by Batch Number
Why Adyen Reconciliation Is Challenging
Interchange++ Complexity
Adyen uses Interchange++ pricing, meaning fees vary per transaction based on card type,
region, and scheme. A single settlement can have hundreds of different fee combinations.
Your bank shows $10,000 deposited, but understanding the fee breakdown requires
processing Settlement Detail Reports with multiple fee columns.
How This Tool Helps
We convert Adyen Settlement Detail Reports to Xero bank statement format:
- Gross amounts from transactions
- Fees broken down: Commission, Markup, Scheme Fees, Interchange
- Net Credit/Debit calculated for bank matching
- Batch Numbers preserved for settlement linking
Import to your Adyen Clearing Account in Xero, match batches to bank deposits.
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 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 |
Why Use This Tool?
Interchange++ Breakdown
Commission, Markup, Scheme Fees, Interchange tracked separately.
Batch Reconciliation
Transactions grouped by Batch Number for easy bank matching.
PSP Reference Tracking
Adyen's unique transaction IDs preserved for audit trail.
Multi-Currency
Handle settlements across multiple currencies with FX tracking.
Chargeback Handling
Chargebacks and reversals properly accounted.
Browser Processing
Financial data processed locally. Never sent to external servers.
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)
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.
Frequently Asked Questions
Use the Settlement Details Report from Customer Area → Reports. This contains all the fee breakdown columns needed for proper reconciliation.
Group by Batch Number. Each batch represents a single bank deposit. The sum of Net Credit minus Net Debit for a batch should match the deposit amount.
Commission is Adyen's base processing fee. Markup is any additional negotiated fees. Together with Scheme Fees and Interchange, they make up the total Interchange++ pricing.
If you receive settlements in multiple currencies, process each currency separately and import to the appropriate clearing account for each currency.
Chargebacks appear as separate rows with Type='Chargeback'. They're recorded as negative amounts reducing your revenue account.
Adyen → Xero Data Ecosystem
All available data flows from Adyen to Xero