From blog.xero.com: Xero now offers PayTo, a real-time payment option powered by Stripe that enables customers to make direct payments from their bank accounts, enhancing payment speed and cash flow for small businesses.

This method provides instant payment confirmation, reduces processing fees, and simplifies the payment process, improving the likelihood of on-time payments.

Xero users can easily enable PayTo for their invoices, allowing customers to pay using their banking app or online banking.