Reconcile Worldpay in Xero — Complete Settlement Matching

🥦

Reconcile Complete

Xero Bank Statement Format
valid rows

Reconcile your Worldpay settlements in Xero. Match transfer settlements to bank deposits, track scheme fees, and close your books accurately.

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

Download Sample

Sample Worldpay Settlement Report

Download

Tool Rating

4.4 / 5 (52 votes)

How It Works

1

Download Settlement Report

Worldpay Business Manager → Reports → Settlement/Reconciliation Report

2

Convert

Upload here, select your Xero region and fee options

3

Import to Xero

Import to Worldpay Clearing Account in Xero

4

Reconcile

Match transfer settlements to bank deposits by Transfer ID

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.

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 Worldpay Reconciliation fields map to Xero Bank Statement

Worldpay Reconciliation Source Value Xero Bank Statement Target Value Note
Gross Amount 100.00 → Spend Transaction amount (positive for sales)
Worldpay Fees 1.50 → Spend Worldpay processing fees (negative)
Passthrough Fees 1.70 → Spend Interchange fees (negative, tracked separately if split)
Payment ID PAY-1234567890 → Reference PAY-1234567890 Worldpay's unique transaction ID
Transfer ID XFER-1234567890 → Reference XFER-1234567890 Settlement transfer identifier

Why Use This Tool?

Fee Breakdown

Worldpay fees and Passthrough fees tracked separately.

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.

l

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)

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.

Frequently Asked Questions

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 → Xero Data Ecosystem

All available data flows from Worldpay to Xero

Worldpay Reconciliation Report Worldpay reconciliation export with settlements, fees, and bank transfer linking
→
Xero Bank Statement Bank transactions for reconciliation
Transfer Date → Date Gross Amount → Spend Worldpay Fees → Spend
Payout reconciliation, fee tracking Current tool