The short answer
A charge for XERO* ACCOUNTING SUB corresponds to a monthly cloud accounting subscription (Early, Growing, or Established tier) from Xero Limited.
Why it shows up like this
A billing descriptor showing XERO* ACCOUNTING SUB corresponds to a subscription payment for cloud-based financial software from Xero Limited. As a leading global accounting platform, Xero provides small businesses, bookkeepers, and accounting firms with online tools for bank reconciliation, invoicing, expense tracking, and multi-currency reporting.
This recurring charge appears on your business credit card when your monthly subscription plan renews, when a 30-day free trial concludes and rolls over into paid billing, or when an accountant adds a new organization under your billing profile. Subscription tiers range from basic early plans to comprehensive growing and established packages depending on monthly transaction volume and feature access.
To inspect your subscription status, download past invoices, or manage active team seats, log into your account at login.xero.com and review the subscription and billing settings under your organization name. Note that Xero requires advance notice for subscription cancellations. If you encounter an unexpected charge or need assistance closing an account, visit central.xero.com or contact your card issuer to dispute unauthorized billing.
Common reasons for this charge
- An ongoing monthly Xero accounting organization subscription renewed.
- A 30-day free trial concluded and rolled into active paid billing.
- Your bookkeeper or accountant added an organization under your billing profile.
How to locate the invoice and cancel
- Sign in to Xero Go to login.xero.com and enter your email and password.
- Open Subscription Settings Click on your organization name in the top left and select Subscription and billing.
- Cancel Organization Click Manage Subscription and select Cancel subscription (giving 1 month notice).
Frequently Asked Questions
What is Xero's cancellation notice policy?
Xero requires a 30-day notice period to cancel a subscription, meaning one final billing cycle may occur before access terminates.
Can I export my financial reports before canceling?
Yes, you can export general ledgers, balance sheets, and journal entries to CSV or PDF before your subscription ends.
Dispute Rights & Fraud Prevention
If you did not authorize this Xero subscription, verify with your accounting staff before filing a dispute.
Dispute unauthorized transactions with your card provider under the Fair Credit Billing Act within 60 days.
How do I report an unrecognized Xero charge?
Submit a support case at central.xero.com or contact your card issuer's fraud team.
Card issuers must complete their formal billing inquiry within two billing cycles (up to 90 days).
Independent reference — not affiliated with Xero Limited. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Xero Terms of Use https://www.xero.com
- CFPB: Commercial Software Billing Protections https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges