How to Process Underpaid Remittance into Xero

When a customer pays less than the full amount owed on an invoice, Remittance Go automatically identifies it and flags it for your attention before anything is posted to Xero.

Step 1: Remittance Go Identifies the Underpayment

After uploading your remittance advice, Remittance Go matches each payment line against your open invoices in Xero. If the amount paid does not equal the invoice balance — for example, $75 received against a $100 invoice — that line is flagged as underpaid.

Any underpaid invoice is highlighted with an orange amber warning in the review screen so it stands out immediately, even when a remittance contains dozens of lines.

Step 2: Understand Why It Is Underpaid

Underpayments generally fall into one of two categories:

• Human error — the customer made a mistake in their payment run and sent the wrong amount
• Deliberate partial payment — the customer is intentionally paying a portion now and will settle the remainder in a future payment run

At this stage you do not need to resolve the reason — simply note the flagged line and continue reviewing the rest of the remittance.

Step 3: Review Remittances With Multiple Lines Per Invoice

In some cases, a remittance advice will list several separate payment lines that all relate to the same invoice. For example, a remittance with 10 payment lines might include three individual lines that all reference INV-123.

Remittance Go automatically groups these together and calculates the combined total against the invoice balance. Depending on the amounts, INV-123 may be:

• Fully paid — the three payments add up to the exact invoice balance
• Still underpaid — the three payments cover only part of the invoice, and the shortfall remains

You do not need to manually add up the lines. Remittance Go does this for you and shows the correct status against the invoice.

Step 4: Proceed to Xero

Once you have reviewed the flagged lines and are comfortable with the outcome, proceed to create the batch payment in Xero as normal. Remittance Go will record the underpayment detail so your accounts team has the context to follow up — whether that is chasing the outstanding balance or waiting for it to appear on the next remittance.