Quick Answer
Connect Tradify, Xero, Stripe and WhatsApp Business using n8n to automate your entire job-to-cash workflow. When you mark a job complete in Tradify, n8n automatically creates a Xero invoice, generates a Stripe payment link, and sends a WhatsApp message to your customer with the link. All within seconds. When they pay, Xero reconciles automatically and they get a thank-you message. Two workflows replace hours of weekly admin.
Table of Contents
Why This Stack Works for Trades
If you are running a small trades business in the UK (plumbing, electrical, gas, heating, or any other field), the four tools in this stack probably already feature on your shortlist. Tradify handles job management and quoting. Xero keeps your books straight. Stripe processes card payments fast. WhatsApp is how your customers actually communicate with you.
The problem is that these four tools do not talk to each other natively. Every evening you are copying job details into Xero, chasing customers for payment by text, and manually updating job statuses. That is an hour of admin per day; roughly 250 hours a year, for a one-man operation.
n8n connects them all. It is an open-source automation platform with a self-hosted option (free) and a cloud option (from £17/month). Once the two workflows below are live, the entire chain from job completion to paid invoice to reconciled accounts runs automatically.
What You Need Before You Start
Before setting up the workflows, make sure these accounts are in place:
Tradify Plus Plan
Webhooks are only available on the Plus plan (£44/user/month). The Standard plan (£33/user/month) does not include webhook support, so the automation cannot fire when jobs are completed. If you are on Standard, you will need to upgrade before implementing these workflows.
Xero Account (any paid plan)
You need a Xero account with API access enabled. The Starter plan (£15/month) is sufficient for sole traders. Create an OAuth 2.0 app at developer.xero.com to get your Client ID and Client Secret, then note your Xero Tenant ID from the API explorer.
Stripe Account (UK business)
Sign up at stripe.com/gb. UK card payments cost 1.5% plus 20p. You will need your Secret Key from the Stripe Dashboard (Developers > API keys). Payment Links are included in all Stripe plans at no additional cost.
WhatsApp Business API Access
Set up a Meta developer account at developers.facebook.com and create a WhatsApp Business app. You will need your Phone Number ID, Access Token, and a pre-approved message template called payment_received for Workflow 2. Utility transactional templates are approved quickly, usually within a few hours.
n8n (self-hosted or cloud)
Self-hosted n8n is free and runs on any VPS. A £4/month Hetzner CX11 handles this workload easily. Cloud n8n starts at £17/month if you prefer not to manage a server. Both options support the webhook-based trigger that Tradify needs.
customer_phone and xero_contact_id. These fields are passed through the webhook payload and used by both workflows to route messages correctly and match invoices to contacts in Xero.Workflow 1: Job Complete to Paid Invoice
This workflow fires the moment you mark a job as complete in Tradify. It creates a Xero invoice with the correct line items, generates a Stripe payment link, and sends a WhatsApp message to your customer with the payment link embedded. The whole chain completes in under 30 seconds.
How It Works
- Tradify fires a webhook when a job status changes to
completed - n8n checks the event type: only
job.status_changedevents withcompletedstatus proceed - n8n fetches full job details from the Tradify API including labour, materials, and customer data
- A Xero invoice is created with line items matching Tradify job costs, set to AWAITING_PAYMENT status
- A Stripe Payment Link is generated for the invoice amount, referencing the Xero invoice ID in the metadata
- A WhatsApp template message is sent to the customer with their name, job reference, amount, and payment link
Download the workflow JSON below and import it into n8n (Workflows > Import from File). Then configure the five environment variables listed in the import guide.
Get This Workflow
Download the n8n workflow JSON and import it into your n8n instance to automate the full job-complete to WhatsApp invoice chain.
XERO_ACCESS_TOKEN: your Xero OAuth access tokenXERO_TENANT_ID: your Xero organisation tenant IDSTRIPE_SECRET_KEY: your Stripe secret key (sk_live_...)WHATSAPP_PHONE_NUMBER_ID: your Meta WhatsApp Phone Number IDWHATSAPP_TOKEN: your Meta WhatsApp access token
job.status_changed event.Workflow 2: Payment Confirmed Auto-Reconcile
When your customer pays via the Stripe link, this workflow fires immediately. It marks the Xero invoice as paid (matching the payment to your bank account code), sends the customer a thank-you WhatsApp, and logs the payment to a Google Sheets tracker. Zero manual reconciliation needed.
How It Works
- Stripe fires a webhook when a payment intent succeeds
- n8n verifies the event type: only
payment_intent.succeededevents proceed - Payment data is extracted: amount, customer email, Xero invoice reference, customer phone and name (from Stripe metadata)
- Xero invoice is marked PAID via a PUT request, with the payment matched to your current account (code 090)
- WhatsApp thank-you message is sent using the pre-approved
payment_receivedtemplate - Payment is logged to Google Sheets with date, customer name, amount, Stripe payment ID, and status
Get This Workflow
Download the n8n workflow JSON to automate Stripe payment reconciliation, WhatsApp thank-you messages, and Google Sheets logging.
090 (Current Account) for payment matching. Check your Xero chart of accounts and update this code to match your bank account. Find yours in Xero > Accounting > Chart of Accounts.payment_intent.succeeded. Add your PAYMENTS_SHEET_ID environment variable (found in your Google Sheets URL).Platform Breakdown
Tradify
Xero
Stripe
WhatsApp Business| Step | Manual Process | Automated Stack |
|---|---|---|
| Job completed | Mark complete in Tradify, then switch to Xero | Mark complete in Tradify. Done. |
| Invoice creation | Manually enter line items in Xero (10-15 min) | Xero invoice created automatically in seconds |
| Payment request | Copy Stripe link, send WhatsApp manually | WhatsApp sent automatically with payment link |
| Payment reconciliation | Check Stripe, mark Xero invoice paid manually | Xero auto-reconciled on payment confirmation |
| Customer thank-you | Often skipped due to time pressure | WhatsApp thank-you sent every time, automatically |
| Payment tracking | Spreadsheet updated manually (if at all) | Google Sheets updated automatically |
Real Time and Money Savings
The numbers below are based on a sole trader completing 20 jobs per month. Adjust them to your own workload.
At 20 jobs per month, manual invoice admin takes roughly 3.5 hours each week. With the automation stack, that drops to under 20 minutes, mostly reviewing things that need attention. Across a year, that is over 160 hours returned to billable work or time at home.
At a billing rate of £40/hour, those 160 hours are worth £6,400. The stack costs roughly £780/year (Tradify Plus plus Xero Starter plus n8n Cloud). The return on investment is straightforward to calculate.
Video Guides
Tradify Review 2024
Full walkthrough of Tradify features, pricing, and whether it suits small trades businesses.
Tradify Job Management Demo
Official demo showing job creation, scheduling, invoicing and the mobile app in action.
Tradify: Getting Started
Step-by-step guide to setting up Tradify from scratch for a trades business.
How to Invoice with Tradify
Creating and sending invoices directly from Tradify jobs, including PDF generation.
Xero and Stripe Integration
How to connect Xero to Stripe for automatic invoice payment reconciliation.
Xero Invoicing UK Guide
UK-specific Xero invoicing guide covering VAT, payment terms, and reconciliation.
WhatsApp Business API Setup
How to set up WhatsApp Business API including message templates and webhook configuration.
n8n WhatsApp Automation
Building automated WhatsApp message flows in n8n using the Meta Graph API.
What Tradespeople Are Saying
Our Verdict
This four-tool stack (Tradify, Xero, Stripe, WhatsApp Business, connected by n8n) is the most practical automation setup available for small UK trades businesses right now. Every tool in the stack is purpose-built for the job it does, and n8n connects them cleanly without requiring any coding knowledge.
The two workflows cover the full job-to-cash cycle. Workflow 1 fires the moment a job is marked complete. Workflow 2 closes the loop when payment is confirmed. Together they eliminate roughly four hours of weekly admin for a sole trader doing 20 jobs a month.
The main constraint is the Tradify Plus plan requirement for webhook access. If you are on Tradify Standard, you will need to upgrade to £44/user/month to use this setup. For most trades businesses doing more than 10 jobs a month, the time savings justify the cost within the first month.
FAQs
No. n8n uses a visual drag-and-drop workflow builder. You import the JSON files provided above and fill in your API credentials. The only technical step is configuring Tradify and Stripe webhooks to point to your n8n URL. This involves copying and pasting a URL, nothing more.
n8n logs every workflow execution with full input/output data. If a workflow fails (for example, an expired Xero token), you will see the failure in the n8n execution history and can re-run it manually. n8n also supports error workflows, so you can set up a separate workflow that sends you a WhatsApp or email alert whenever an execution fails.
Yes. Tradify has a built-in Xero sync that pushes invoices and contacts. However, it does not include the Stripe payment link generation or the WhatsApp notification steps. The n8n workflows in this guide give you a custom pipeline that combines all four tools, including automations that the native Tradify-Xero integration cannot do.
No. The WhatsApp Business API (used in these workflows) is a different system from the personal WhatsApp app. You need a Meta developer account and a registered WhatsApp Business number. Meta approves utility message templates quickly, usually within a few hours. The API has no monthly fee; you only pay per message sent (roughly £0.05-0.08 per conversation in the UK).
The Xero Starter plan (currently £15/month) gives you API access and supports the invoice creation and payment marking endpoints used in these workflows. The only Starter plan limitation relevant here is the 20 invoice/20 bill limit per month. If you issue more than 20 invoices monthly, you will need the Standard plan (£30/month) which has no invoice limit.
