Fee Breakdown
Worldpay fees and Passthrough fees tracked separately.
Reconcile Worldpay in Xero — Complete Settlement Matching
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Xero Bank Statement Format
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Reconcile your Worldpay settlements in Xero. Match transfer settlements to bank deposits, track scheme fees, and close your books accurately.
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Worldpay → Xero Reconciliation Questions
Which Worldpay report should I use?
Use the Settlement Reconciliation Report or Transaction Report from Business Manager. This contains the transaction details and fee breakdown needed for reconciliation.
How do I match settlements to bank deposits?
Group by Transfer ID. Each transfer represents a single bank deposit. The sum of net amounts for a transfer should match the deposit.
What is a Worldpay clearing account?
A current asset account in Xero that temporarily holds Worldpay settlement amounts. It's used in automated reconciliation to match payments with invoices before funds clear to your bank.
How Worldpay → Xero Reconciliation Works
1
Export from Worldpay
iQ Bar (Financial icon) → Reconciliation Dashboard → Export CSV
2
Upload and Configure
Upload Reconciliation 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
Discrepancies are highlighted with clear match and mismatch indicators — review differences at a glance.
Field Mapping
How Worldpay Reconciliation fields map to Xero Bank Statement
| Worldpay Reconciliation | Source Value | Xero Bank Statement | Target Value | Note | |
|---|---|---|---|---|---|
Gross Amount |
125.00 |
→ | Spend |
|
Transaction amount (positive for sales) |
Worldpay Fees |
1.75 |
→ | Spend |
|
Worldpay processing fees (negative) |
Passthrough Fees |
1.75 |
→ | Spend |
|
Interchange fees (negative, tracked separately if split) |
Payment ID |
PAY-1234567890 |
→ | Reference |
PAY-1234567890
|
Worldpay's unique transaction ID |
Transfer ID |
XFER-20250117-001 |
→ | Reference |
XFER-20250117-001
|
Settlement transfer identifier |
Data Transformation
Each transaction creates gross and fee rows in Xero bank format, optionally splitting Worldpay and Passthrough fees
Input
Worldpay Transaction
One row per transaction with gross amount and fee breakdown
Key columns:
Payment ID,
Gross Amount,
Worldpay Fees,
Transfer ID
1:N — One input row creates multiple output rows
Output
Xero Bank Rows
2-3 (depends on split_fees setting) rows per
input
Multiple spend rows for transaction and fee tracking
Transaction Amount
Sale, refund, or chargeback at gross amount
Worldpay Fee
Worldpay processing fee tracked separately
Passthrough Fee
Interchange fee tracked separately (if split_fees enabled)
All amounts sum to net deposit (matches bank statement)
Why Reconcile Worldpay → Xero First?
Transfer Reconciliation
Transactions grouped by Transfer ID for bank matching.
Payment Tracking
Worldpay Payment IDs preserved for audit trail.
Multi-Currency
Handle settlements across multiple currencies.
Chargeback Handling
Chargebacks and reversals properly accounted.
Browser Processing
Financial data processed locally. Never sent to external servers.
Common Bank Statement Import Errors
Issues you might encounter when importing Reconciliation Report data to Bank Statement - and how we solve them
Transfer Totals Don't Match Bank
Xero bank import totals don't align with actual bank deposits
Verify you're using the complete Worldpay Reconciliation Report. Check for missing transactions or split transfers.
Too Many Fee Rows in Xero
Xero bank import has 3 rows per transaction making reconciliation difficult
Disable 'split_fees' option to combine Worldpay and Passthrough fees into one line.
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.
How People Use Worldpay → Xero
Worldpay deposits one lump sum but the settlement report shows dozens of transactions with different fee structures. My clearing account was never zeroing out. Now each transfer imports with gross, fees, and net separated — the clearing account balances to the cent every time.
We process GBP and EUR through Worldpay but Xero only saw the net deposit in our bank feed. A $340 variance sat unresolved for three months — turned out it was scheme fees on euro transactions hitting a different settlement cycle. Splitting fees by currency finally exposed it.
My accountant kept asking why Worldpay deposits didn't match my daily sales totals. I didn't realize passthrough fees were being deducted before settlement. Importing the breakdown into Xero with Transfer IDs means my accountant can match every deposit in minutes instead of emailing me questions.
Why Worldpay Reconciliation Is Challenging
Multi-Layer Fee Structure
Worldpay (now FIS) has complex fee structures including Worldpay fees,
passthrough fees (scheme/interchange), and sometimes additional service fees.
Each settlement combines multiple transactions with varying fee amounts.
Your bank shows a deposit, but understanding the breakdown requires
processing detailed settlement reports.
How This Tool Helps
We convert Worldpay Settlement Reports to Xero bank statement format:
- Gross transaction amounts
- Worldpay processing fees separated
- Passthrough/scheme fees tracked
- Net Credit calculated for bank matching
- Transfer IDs preserved for settlement linking
Import to your Worldpay Clearing Account in Xero, match transfers to bank deposits.
Secure Worldpay → Xero Reconciliation
Client-Side Reconciliation
No server round-trips. Your Worldpay → Xero data is processed entirely in the browser tab.
Auto-Erased on Close
The moment you close the page, all Worldpay → 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.
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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 Reconciliation Report or Transaction Report from Business Manager. This contains the transaction details and fee breakdown needed for reconciliation.
Group by Transfer ID. Each transfer represents a single bank deposit. The sum of net amounts for a transfer should match the deposit.
Worldpay fees are their processing charges. Passthrough fees include scheme fees (Visa, Mastercard) and interchange that are passed through to you.
Yes. Worldpay was acquired by FIS but the settlement reports maintain the same structure. This tool works with both legacy Worldpay and FIS Worldpay reports.
Process each currency's settlement separately and import to the appropriate clearing account for each currency in Xero.
Worldpay may report fees differently across formats. Data sent to Xero often shows all fees on one line with no VAT, while PDF invoices show fees split with varying VAT rates (mostly 0%, some 20%), requiring manual corrections.
IPAY Xero is the reference Worldpay uses for deposits into your settlement account. You'll use this in your bank rule to automatically reconcile Worldpay deposits to your Xero clearing account.
Create a bank rule that matches 'IPAY Xero' in the description, then allocate to your Worldpay Clearing Account at 100% with BAS excluded tax rate. This automates reconciliation in one click.
A current asset account in Xero that temporarily holds Worldpay settlement amounts. It's used in automated reconciliation to match payments with invoices before funds clear to your bank.
Worldpay deducts fees from settlement amounts before deposits hit your bank account. Daily invoicing means fees are taken before funds are banked, reducing your actual deposit amount.
Worldpay → Xero Data Ecosystem
All available data flows from Worldpay to Xero
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This platform pair is available in 1 other hub
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