A Starter Guide to Batch Payments

A batch payment is a single payment that you make to cover multiple transactions. You can use batch payments to pay your monthly bills, such as your rent or mortgage. You can also use xero batch payments if you need to make a large purchase.

Making batch payments

If you’re making a number of smaller payments at one time, it makes sense to bundle them together into one larger payment and save on fees in the process!

What is a batch payment?

A batch payment is a group of payments that are processed together. It can be used by companies to make multiple payments in one go, and it’s also popular with individuals who want to pay their bills at the same time.

Batch payments are useful because they save you time and money. If you make regular payments, such as your monthly rent or utility bills, then it may be worth considering setting up a batch payment system instead of making individual transfers every month or so. You’ll know exactly when each payment will be deducted from your account and won’t have to worry about forgetting any individual transactions.

When would I need to make a batch payment?

When you are making a payment to multiple people at the same time, it’s called a batch payment. For example, if you’re paying for goods or services that are provided to multiple people.

How do I make a batch payment?

The process to make a batch payment is similar to making a single payment. However, instead of providing your card information for each transaction, you’ll enter it just once and submit the transaction. Once your bank account has processed each transaction individually, they will be grouped together in one deposit into your bank account.

Batch payments can only be made from checking accounts or savings accounts that are linked to the Xero app through ACH (Automated Clearing House) transfers.

How long does it take for the batch payment to be processed?

The amount of time it takes for a batch payment to be processed depends on the payment method you use. If you are using a credit card, debit card or internet banking, your money should be available for use within 24 hours. If you’re paying by cheque, however, there will be a significant delay as the bank processes this form of payment and makes it available to your beneficiary.

In addition to these factors:

  • The type of bank you’re using can affect how long it takes for your batch payment to be processed. Some banks offer faster processing times than others; some also have shorter opening hours and fewer branches in remote areas;
  • Whether the money is transferred electronically or physically can also have an impact on processing time; many banks now offer electronic transfers which take just minutes but some may still insist on sending funds by post.


Batch payments are a great way to save time and money, but they’re not right for everyone. If you have a high volume of invoices, or need more flexibility than batch payments offer, there are other options.

If you’re considering using batch payments:

  • Make sure your supplier supports it.
  • Make sure the service is available in your country and currency.
  • Test it out before committing to using them on an ongoing basis with all suppliers or clients.


For businesses that need to make large batch payments regularly, batch payments are a great solution. Batch payments allow you to pay multiple invoices at once, which can save time and money.


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