Afterpay Xero Reconciliation Tool

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Reconcile Complete

Xero Reconciliation CSV Format
valid rows

Reconcile Afterpay BNPL settlements with Xero bank accounts. Match net payouts to bank deposits effortlessly.

No API required
Browser-based processing
Run on Google Cloud Platform

Download Sample

Download

Tool Rating

4.8 / 5 (24 votes)

How It Works

1

Export

Afterpay → Reconciliation Report

2

Format

Convert

3

Import

Xero → Import

4

Reconcile

Match deposits

Reconciling Afterpay Settlements in Xero

BNPL Reconciliation Challenge

Afterpay's net settlement amounts (after fees) must match bank deposits in Xero.

Reconciliation Format

We format Afterpay settlements with net amounts and dates that match 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.

ISO/IEC 27001 Certified GDPR Compliant Swiss Privacy CCPA Compliant

Field Mapping

How Afterpay Settlements fields map to Xero Bank Statement

Afterpay Settlements Source Value Xero Bank Statement Target Value Note
Settlement Date 17/01/2025 → Date 17/01/2025 Convert to DD/MM/YYYY or MM/DD/YYYY
Net Settlement Amount 145.60 → Amount 145.60 Net after Afterpay fees
Merchant Reference ORD-2025-001 → Reference ORD-2025-001 Merchant order ID

Why Use This Tool?

Net Amount Matching

Matches deposits

Date Alignment

Settlement dates

Quick

60 seconds

No API Setup

Works with standard CSV exports. No technical setup required.

60-Second Processing

Upload, convert, download in under a minute.

No Monthly Fees

Pay per use only. No subscriptions or recurring charges.

Data Transformation

Each Afterpay settlement becomes one Xero bank statement row

Input Afterpay Settlement

One row per order settlement with net amount after fees

Key columns: Order ID, Settlement Date, Net Settlement Amount, Merchant Fee incl Tax
1:1 — One input row creates one output row
Output Xero Bank Statement Row 1 rows per input

Single bank transaction line for each settlement

Settlement Transaction Net amount deposited to bank (after Afterpay fees deducted)
Net Settlement Amount = Order Amount - Merchant Fee incl Tax

Common Bank Statement Import Errors

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

Missing Settlement Dates

Xero import fails because settlement date column is missing or empty

Export the Reconciliation Report from Afterpay Merchant Portal. Ensure the report includes Settlement Date column.

Negative Settlement Amounts

Net settlement shows negative values due to high refund activity or fee adjustments

This is normal for refund-heavy periods. Negative amounts appear as debits in Xero. Review fee structure if consistently negative.

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 use DD/MM/YYYY, US uses MM/DD/YYYY). Check your Xero organisation settings.

Merchant References Don't Match Internal Orders

Afterpay Order IDs don't match your internal order numbers

Enable 'include_merchant_reference' option to add your custom order reference to descriptions for easier matching.

Frequently Asked Questions

Import to 'Afterpay Clearing', reconcile against bank.

Afterpay → Xero Data Ecosystem

All available data flows from Afterpay to Xero

Afterpay Reconciliation Report Export BNPL settlements with fees and net payouts
→
Xero Bank Statement Bank transactions for reconciliation
Settlement Date → Date Net Settlement Amount → Amount Merchant Reference → Reference
Payout reconciliation, fee tracking Current tool