What PayPal data does Well pull into Xero?

PayPal streams completed payments, refunds, disputes, holds, and currency-conversion events to Well over its MCP server. After Well resolves the counterparty and assigns a confidence score, the matched record posts to Xero as draft bills via email-in, with contact, dates, totals, line items, and tax type extracted by Hubdoc, with the PayPal event ID preserved on the entry for audit.

How often does PayPal data sync to Xero?

PayPal pushes events to Well over its MCP server, so most records land within seconds of the underlying action. Each event is matched immediately and reaches Xero within a confidence window: above 85% it posts, 55-85% queues for review, below 55% is refused.

How does Well match PayPal records to entries in Xero?

Every PayPal charge is scored against your open Xero sales invoices and existing customer records on customer name, amount, currency, and reference. Above 85% the charge collapses onto the right invoice and Xero reconciliation builds the matched journal entry in Well's ledger, the ledger accounts mapped and the matched customer and payment pre-filled, ready for you to post to Xero. Between 55% and 85% the candidate list is queued for review with the alternative customers ranked.

What happens to historical PayPal data when I first connect to Xero?

PayPal exposes the last full year through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Xero ledger, and re-running the backfill is safe because Well tracks the PayPal record IDs and updates existing Xero entries instead of duplicating them.

Does Well handle multi-currency records between PayPal and Xero?

PayPal carries the original transaction currency on every record and Xero natively ledgers in multiple currencies. Well preserves the original amount, applies your Xero chart-of-accounts conversion rules at posting time, and both the source and converted amounts ride on the document Well forwards to Xero, so the Xero entry you post keeps both sides of the trade.

How does Well authenticate with PayPal and Xero?

PayPal's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Xero email-in address once it clears the matching threshold; Xero creates the draft record from it and you confirm and post it. Well holds no write credential to Xero. Tokens are encrypted at rest and in transit under TLS 1.3. PayPal and Xero together cover multiple regions; Well's storage region is configured per workspace.

PayPal to Xero

AvailableNative · PayPalNative · Xero

Connect PayPal to Xero with Well

PayPal settles in batches; Well decomposes each payout into its component charges and forwards a clean per-customer document to Xero's inbox, with VAT and fee context attached.

Connect both toolsView all integrations

PayPal

Source

The PayPal integration connects your payment account to Well via MCP, importing transactions, fees, settlements, and refund data.

Xero

Target

The Xero integration connects Well to your accounting platform for bidirectional data flow.

Why this pair

PayPal generates more accounting work per transaction than most processors: refunds, holds, dispute reserves, and currency conversions all on different value dates.

Xero accepts emailed PDFs and creates draft bills via Hubdoc, but does not unwind PayPal activity on its own. Connecting PayPal to Xero through Well matches each PayPal event inside its own ledger with fees split out and currency conversions stamped on the value date, then forwards the matched document to Xero's email-in for draft-bill creation.

What Well does between PayPal and Xero

One-way: PayPal into Well into Xero
Sync mode: Real-time MCP push
Events arrive in seconds

Trigger from PayPal

11 events · pick one

Well engine·recipe·When a PayPal payment is captured

Source

from payment · live webhook

Mosaic Health

via PayPal

Payment

When a PayPal payment is captured

ch_1q5nk · 22 Apr 2026€1,284.00

Extract

6 fields read from PayPal

6 fields read

CustomerMosaic Health
Charge date22 Apr 2026
Charge amount€1,284.00
CurrencyEUR
Processing fee€37.24

Enrich

against your historical record graph

4 fields added

Customer recordMosaic Health
Domainmosaichealth.app
Tax idFR65432187654
Sales journalVE · 2026

Confidence97%

<55% refused55–85% review≥85% auto-posts

Post

post as draft bills

Create a draft bill in Xero

auto-posted

posted

TypeBill
VendorMosaic Health
Amount€1,284.00
LedgerVE · 2026
Source docattached
Confidence97%

audit linkto Xero

Action in Xero

1 compatible with this trigger

Create a draft bill in Xero

Reconcile PayPal multi-currency charges to Xero entries.

01Featured

Match payouts to the bank deposit

PayPal payouts are reconciled against the bank deposit they generate by amount, date, and currency, then the matched deposit document is forwarded to Xero with the underlying charge breakdown attached, ready for your team to post. The fee line is split out automatically so the Xero P&L sees gross revenue and processor fees as separate accounts.

Bring multi-currency charges into one ledger

Each PayPal charge keeps its original transaction currency on the matched document. Well stamps the FX rate at the timestamp of the event and attaches both the source and converted amounts to the document forwarded to Xero, so the draft your team confirms stands up to audit.

Surface subscription renewals as recurring invoices

Recurring PayPal charges from a subscription cycle are recognised as renewals and posted to Xero against the customer's open recurring invoice, not as a fresh sales line. The cycle start and end dates ride along on the entry so revenue recognition reports show the right service period.

Decompose fees from a card payment

Every PayPal card charge is split inside Well into the gross amount, the processor fee, and the net deposit. The fee context is broken out on the document forwarded to Xero, ready for your team to route it onto the processor-fee account on confirmation.

16 signals and actions across PayPal and Xero

When a PayPal payment is captured
Pulls from PayPal transaction events. Captures completed PayPal payments with buyer, amount, and order id. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a PayPal payment is refunded
Pulls from PayPal transaction events. Detects refunds against captured payments and links back to the order. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a PayPal payout settles
Pulls from PayPal transaction events. Tracks settlement batches with the covered captures and processing fees. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a new buyer's first PayPal capture is recorded
Pulls from PayPal transaction events. Recognises a first-time buyer from the capture and prepares a customer record. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Company
When a PayPal chargeback is filed
Pulls from PayPal transaction events. Flags the contested transaction and preserves the dispute trail. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a PayPal-issued invoice is paid
Pulls from PayPal transaction events. Captures invoices issued through PayPal with line items and tax. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Invoice
When a PayPal capture is denied
Pulls from PayPal transaction events. Surfaces denied captures with the denial reason for follow-up. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a PayPal payment is held pending review
Pulls from PayPal transaction events. Detects pending captures and waits for the resolution before posting. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction
When a PayPal capture is recorded with its merchant fee
Pulls from PayPal transaction events. Pulls the merchant fee out of the capture so net revenue is correct. Forwarded to Xero's email-in via Hubdoc; Hubdoc extracts contact, dates, totals, and tax type into a draft bill.
Trigger·Transaction

Reference

Field mapping for PayPal → Xero

7 fields across 2 record types, open to see the full table.

Transaction fields

4 fields flow from PayPal into Xero.

PayPal field	Label		Xero field	Label
capture.amount.currency_code	Currency	→	CurrencyCode	Currency
capture.create_time	Capture date	→	Date	Transaction date
capture.id	Capture id	→	BankTransactionID	Bank line id
capture.seller_receivable.fee	PayPal fee	→	Total	Amount

Invoice fields

3 fields flow from PayPal into Xero.

PayPal field	Label		Xero field	Label
invoice.detail.invoice_number	Invoice number	→	InvoiceNumber	Invoice number
invoice.detail.invoice_date	Issue date	→	Date	Bill date
invoice.amount.currency_code	Currency	→	CurrencyCode	Currency

Connect PayPal and Xero in three steps.

1
Connect PayPal
Click Connect with PayPal; the PayPal MCP server registers a Well client automatically. PayPal's MCP server registers a read-scoped Well client through DCR; no credential paste, no shared secret.
- AuthOAuth 2.0
2
Map your accounts
Well discovers PayPal's completed payments, refunds, disputes, holds, and currency-conversion events and the the Xero draft bills queue populated by Hubdoc. Match candidates are scored on counterparty name, amount, currency, and reference; you approve any that need a human eye and Well saves the rule for the next batch.
- Auto-post above85% confidence
- Overridemanual anytime
3
Connect Xero
Click Connect with Xero; Well's OAuth proxy handles Xero authorisation through Dynamic Client Registration. Xero's MCP server registers a write-scoped Well client through DCR; no credential paste, no shared secret.
- AuthOAuth 2.0
- First syncup to an hour

How PayPal and Xero stay secure with Well

Well connects to PayPal through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived PayPal secret; the server refreshes its own tokens on each session. Well's storage region is configured per workspace regardless of where PayPal and Xero host theirs.

MCP server authStorage region per workspaceGDPR-aligned

Scopes Well requestsmcp.paypal.com/mcp

Read PayPal records
Scoped to completed payments, refunds, disputes, holds, and related records. No access to anything else in your PayPal account.
granted
Deliver documents to your Xero inbox
Well forwards the extracted document to your Xero email-in address; Xero reads draft bills via email-in, with contact, dates, totals, and related records from it and you review and post. No write credential to Xero is requested.
granted
Modify or delete PayPal records
Not granted. PayPal is read-only on Well's side; the source of truth never moves.
refused
Read other workspaces' data
Encryption keys are per-workspace; another tenant's records are inaccessible by design.
refused

Disconnect any time from Well settings or PayPal’s admin panel.

Frequently asked questions about PayPal and Xero on Well

01What PayPal data does Well pull into Xero?: PayPal streams completed payments, refunds, disputes, holds, and currency-conversion events to Well over its MCP server. After Well resolves the counterparty and assigns a confidence score, the matched record posts to Xero as draft bills via email-in, with contact, dates, totals, line items, and tax type extracted by Hubdoc, with the PayPal event ID preserved on the entry for audit.
02How often does PayPal data sync to Xero?: PayPal pushes events to Well over its MCP server, so most records land within seconds of the underlying action. Each event is matched immediately and reaches Xero within a confidence window: above 85% it posts, 55-85% queues for review, below 55% is refused.
03How does Well match PayPal records to entries in Xero?: Every PayPal charge is scored against your open Xero sales invoices and existing customer records on customer name, amount, currency, and reference. Above 85% the charge collapses onto the right invoice and Xero reconciliation builds the matched journal entry in Well's ledger, the ledger accounts mapped and the matched customer and payment pre-filled, ready for you to post to Xero. Between 55% and 85% the candidate list is queued for review with the alternative customers ranked.
04What happens to historical PayPal data when I first connect to Xero?: PayPal exposes the last full year through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Xero ledger, and re-running the backfill is safe because Well tracks the PayPal record IDs and updates existing Xero entries instead of duplicating them.
05Does Well handle multi-currency records between PayPal and Xero?: PayPal carries the original transaction currency on every record and Xero natively ledgers in multiple currencies. Well preserves the original amount, applies your Xero chart-of-accounts conversion rules at posting time, and both the source and converted amounts ride on the document Well forwards to Xero, so the Xero entry you post keeps both sides of the trade.
06How does Well authenticate with PayPal and Xero?: PayPal's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Xero email-in address once it clears the matching threshold; Xero creates the draft record from it and you confirm and post it. Well holds no write credential to Xero. Tokens are encrypted at rest and in transit under TLS 1.3. PayPal and Xero together cover multiple regions; Well's storage region is configured per workspace.