> ## Documentation Index
> Fetch the complete documentation index at: https://support.jomioz.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Connect payments and Xero

> Bank details or card payments before the first invoice. Xero after that.

You can send an estimate with neither connection. An invoice will not send until a payment method is on. Bank details are the faster of the two. Cards and Xero can wait.

<Steps>
  <Step title="Bank details">
    Open **Settings → Invoices → Configuration**. Turn on **Bank transfer** and fill **Bank transfer details**. Save. The account prints on the invoice. The customer pays you, and you record it. This does not need Jomioz Payments.
  </Step>

  <Step title="Card payments">
    Set the country under **Settings → Company** first. Then **Settings → Jomioz Payments → Connect**. If **Complete setup** is still there, finish it. You are ready when the page says **Ready to accept payments**. Turn on **Accept card payments on invoices**. The full path is [Take card payments](/integrations/stripe).
  </Step>

  <Step title="Xero, later">
    Available on Growth and Pro. **Settings → Integrations → Xero → Connect Xero**, then save both account mappings. Sending a document is **Send to Xero** on that estimate or invoice.     See [Connect Xero](/integrations/xero).
  </Step>
</Steps>