Step 0: Create Your Prefilled CargoWALLET Payment Link
Log in to CargoWALLET.
Go to GetPaid.
Copy your CargoWALLET payment link (this already includes your beneficiary ID and default currency, here is an example :
https://app.wallet.cargoai.co/pay-to?beneficiary=2c8fe7a9-b2c4-4fd8-831f-6dc47d2024e1
Add URL parameters to prefill the form with details like currency, reference, amount, and customer information, For XERO , it is like this :
¤cy=[CURRENCY]&category=Invoice_Number&reference=[INVOICENUMBER]&amount=[AMOUNTDUE]
Step 1: Open Payment Services in Xero
Log in to Xero.
Go to Settings → Organization Settings → Payment Services or here directly : https://go.xero.com/app/!8WbVs/payment-services/add-services
Step 2: Add a New Custom Payment Service
Click Set up payment services.
If you don’t have CargoWALLET already in your list of configured payment options, click on Add another online payment option.
Select Custom Payment URL.
Step 3: Enter CargoWALLET Details
In the Name field, type: CargoWALLET.
In the Link field, paste your prefilled CargoWALLET payment link.
NOTE:
Your link should include your beneficiary ID (from the CargoWALLET GetPaid page) and any parameters you want to prefill (e.g., invoice reference, amount, customer email).
URL Structure (you just need to replace 2c8fe7a9-b2c4-4fd8-831f-6dc47d2024e1 by your real beneficairy ID available on your Get Paid page)
https://app.wallet.cargoai.co/pay-to?beneficiary=2c8fe7a9-b2c4-4fd8-831f-6dc47d2024e1¤cy=[CURRENCY]&category=Invoice_Number&reference=[INVOICENUMBER]&amount=[AMOUNTDUE]
⚡ Pro Tip: Xero automatically pulls details from the invoice (like invoice number, amount, and payer information), so these can be mapped into your link
Step 4: Save and Manage the Payment Service
Click Save to save your new payment service.
CargoWALLET will now appear under your payment services.
You can edit, remove, or manage it as needed.
Step 5: Apply CargoWALLET to Your Invoices
Go to Settings → Organization Settings → Managed Connected services or direclty here: https://go.xero.com/app/!8WbVs/payment-services/manage-services
Click on the button at the bottom right "Manage Themes"
Under payment options, choose CargoWALLET (may appear under a “Credit Card” or similar section).
Create new invoice, Send or preview the invoice. Xero generates the link with real data
Your customer receives the invoice with a clickable direct payment link → they click → confirm → pay instantly.
You can also watch the full video walkthrough here:
CargoWALLET Xero Setup Video
Checklist
The correct amount
The invoice reference number
Your beneficiary info
Optional customer details
We hope you find this article useful!
Note: Images shown here are for illustrative purposes only.
CargoAi reserves the right to change the actual screen layout without prior notice!