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
Xero is a global cloud accounting platform providing bank feeds, invoicing, purchase orders, and multi-currency reporting.
Billing statements show XERO* ACCOUNTING SUB, XERO.COM, or XERO INC, typically billing $15 to $78 per month.
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.
How long does a dispute investigation take?
Card issuers must resolve dispute inquiries within two complete 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