Stripe vs GoCardless vs PayPal for Xero Users
Comparing Stripe, GoCardless, PayPal and Square for UK ecommerce businesses using Xero. Real fees, payout speed, direct debits and integration quality.
Open to opportunities · Unlike the books
Haroon
Subhani
ACCA · CertIFR · MSc · BSc
Chartered Accountant with 5 years of experience across audit, cloud accounting, and finance automation. Making accounting less painful, one integration at a time.
ACCA
Chartered Certified Accountant
50+ Clients
Startups, SMEs & enterprise served
5+ Years
Audit · Cloud accounting · Finance technology
£2M+
Processed across cloud accounting platforms
// services (billable, obviously)
Services
Whether you need your books sorted or your software talking to each other — I've got it. Freelance enquiries welcome.
Why it mattersAudit rigour.
Audit rigour.
Cloud fluency.
One person.
Most accountants sit in one lane — compliance or cloud. I work across both. With a background in Big-4 tier external audit and hands-on experience as a Xero Accounting Specialist, I bring the discipline of a trained auditor to the practicality of modern cloud accounting.
Whether it's a clean Xero migration, a bank reconciliation that's been broken for months, MTD compliance, or getting your software stack to actually talk to each other — I've done it for sole traders, SMEs, and growing businesses.
Cloud Accounting & Migration
Full migration from legacy or desktop systems to modern cloud platforms. Clean data, proper chart of accounts, and a setup that actually works for your business.
Accounting Automation & Integrations
Connecting your accounting software with the rest of your tech stack — payment processors, payroll, CRMs, and more — to eliminate manual data entry and reduce errors.
Compliance & Tax
Statutory accounts, corporation tax, self-assessment for individuals, partnership returns, VAT, and Making Tax Digital for Income Tax (MTD for IT) — filed accurately and on time.
Audit Support & Workpapers
Freelance audit testing, working paper preparation and documentation, file reviews, and quality assurance support for firms needing experienced resource on engagements.
Management Accounts & Reporting
Monthly management packs, KPI dashboards, cash flow forecasts, and budget-versus-actuals to keep business owners informed and in control.
ESG & Climate Reporting
Emerging advisory on climate accounting, carbon footprint measurement, and sustainability disclosures — helping businesses get ahead of regulatory expectations.
// what clients say
Testimonials
Across accounting, bookkeeping, Xero migrations, compliance queries and everything in between — here's what people actually said.
★★★★★
“Haroon completely changed how I understood my accounts. He got on a screen share, worked through a tricky Stripe integration, and reconciled every transaction correctly. Couldn't have asked for more.”
★★★★★
“After months of struggling and several failed attempts with others, Haroon was the first person who actually understood my requirements without needing to look anything up. If it weren't for him, I would have moved to another provider entirely.”
★★★★★
“I was given a complex accounting task and the support I received was excellent and very professional. Haroon took his time and walked me through exactly what I needed — step by step. Stellar service!”
★★★★★
“Haroon went above and beyond my expectations. Rather than taking the quick route, he identified the root cause and presented a thorough, well-explained solution. An excellent response.”
★★★★★
“Speedy response and first-call resolution — both outstanding. Haroon jumped on a screen share, resolved my issue there and then, and I even picked up new knowledge along the way. A WOW experience.”
★★★★★
“I had a complicated scenario involving overpayments and supplier invoices. Haroon responded quickly, got on a call straight away, and walked me through the entire reconciliation process. His patience was very much appreciated.”
★★★★★
“Haroon quickly identified exactly where I was stuck and helped me through it with patience and a friendly manner. As a small business owner he made the whole experience far less daunting. Thank you so much!”
★★★★★
“Just getting to grips with setting up my business accounts, bank feeds and related items — Haroon was extremely helpful and patient throughout. He really made my life easier. Thanks!”
★★★★★
“Haroon fixed my issue incredibly quickly and is very good at what he does. Give this man a raise!”
★★★★★
“My issue was resolved in under five minutes. First-class service — I couldn't have asked for more.”
★★★★★
“Haroon made my day — absolutely brilliant. I am so happy. Thank you very much!”
★★★★★
“Haroon was extremely helpful with my bank rules and very clear with his instructions. Thank you!”
★★★★★
“Haroon completely changed how I understood my accounts. He got on a screen share, worked through a tricky Stripe integration, and reconciled every transaction correctly. Couldn't have asked for more.”
★★★★★
“After months of struggling and several failed attempts with others, Haroon was the first person who actually understood my requirements without needing to look anything up. If it weren't for him, I would have moved to another provider entirely.”
★★★★★
“I was given a complex accounting task and the support I received was excellent and very professional. Haroon took his time and walked me through exactly what I needed — step by step. Stellar service!”
★★★★★
“Haroon went above and beyond my expectations. Rather than taking the quick route, he identified the root cause and presented a thorough, well-explained solution. An excellent response.”
★★★★★
“Speedy response and first-call resolution — both outstanding. Haroon jumped on a screen share, resolved my issue there and then, and I even picked up new knowledge along the way. A WOW experience.”
★★★★★
“I had a complicated scenario involving overpayments and supplier invoices. Haroon responded quickly, got on a call straight away, and walked me through the entire reconciliation process. His patience was very much appreciated.”
★★★★★
“Haroon quickly identified exactly where I was stuck and helped me through it with patience and a friendly manner. As a small business owner he made the whole experience far less daunting. Thank you so much!”
★★★★★
“Just getting to grips with setting up my business accounts, bank feeds and related items — Haroon was extremely helpful and patient throughout. He really made my life easier. Thanks!”
★★★★★
“Haroon fixed my issue incredibly quickly and is very good at what he does. Give this man a raise!”
★★★★★
“My issue was resolved in under five minutes. First-class service — I couldn't have asked for more.”
★★★★★
“Haroon made my day — absolutely brilliant. I am so happy. Thank you very much!”
★★★★★
“Haroon was extremely helpful with my bank rules and very clear with his instructions. Thank you!”
// software I actually know how to use
The Chart of Accounts
Certified across the platforms that actually matter. No filler, no theory — just tools I use every day.
Cloud Accounting
SaaS finance platforms
ESG & Climate Accounting
Sustainability & reporting frameworks
Audit Technology
Enterprise audit platforms
Data & Reporting
Analytics & visualisation
Automation & Integrations
Connecting finance systems
// how I got here
Professional Journey
Five years of auditing, fixing, and occasionally explaining why the numbers don't add up.
Accounting Specialist
CurrentXero · Cloud Accounting Platform
- Platform setup, configuration and migration for SME and enterprise clients
- Financial reporting quality reviews and compliance assurance under FRS 102/105 and UK GAAP
- Advisory on Xero ecosystem integrations and automation of bookkeeping workflows
- Specialist support across reconciliations, management accounts and statutory reporting
Independent Accounting Practice
OngoingThe Accntnt · Freelance Practice
- End-to-end bookkeeping, management accounts and statutory filing — CT600, SA100, partnerships
- Cloud migrations and software integration setup for SMEs leaving legacy systems
- MTD for IT advisory and implementation support for sole traders and landlords
- Audit workpaper support, freelance testing and file documentation for small audit firms
Semi-Senior Auditor
PreviousCrowe · External Audit
- Led fieldwork across complex multi-entity engagements using Deloitte Omnia and Voyager
- Delivered audit reports compliant with IFRS, IAS and UK GAAP standards
- Supervised junior associates and reviewed working papers across revenue, payroll and balance sheet
- Applied data analytics and sampling methodologies to identify material risks
Audit Associate / Junior Roles
Prior experienceGrant Thornton · Deloitte · Audit & Accounting
- Completed audit cycles across retail, professional services and financial sector clients
- Accounts preparation, reconciliations and working paper documentation
- Built foundational knowledge of CaseWare and SAP Audit Management tooling
// proof I sat the exams
Qualifications & Certifications
ACCA
Association of Chartered Certified Accountants · Member
CertIFR
ACCA Certificate in International Financial Reporting Standards
MSc Economics
Postgraduate — Econometrics, policy analysis, quantitative methods
BSc Applied Accounting
Undergraduate — ACCA-accredited degree pathway
Xero Specialist
Certified Accounting Specialist · Platform advisory & QA
QuickBooks ProAdvisor
Certified QuickBooks ProAdvisor · Online & desktop platforms
// latest thinking
From the Blog
UK Sustainability Reporting: A Transition Year
UK SRS 1 and 2 landed in February 2026. Here's what the new sustainability reporting standards mean for businesses, accountants, and your reporting cycle.
// let's connect
Book a Call
Open to roles, contracts, and freelance work. If your books are a mess, even better.
Or you can get in touch with me on: