We are a UK open banking payment processor, which means we let small business owners accept bank-to-bank transfers without any per-transaction charges, unlike Stripe.

We only charge (0.6%) by the end of the month for all the payments they have accepted using our payment gateway and charge them using their direct debit setup.

So do we have to build an official integration with Xero for our product or should we just ask the merchant to create a bank rule and map the referenceid with "Atoa Online Sales" so that it can reconcile automatically?