Every Temu sale is paid through Temu itself, so unlike Shopify (which can have a separate clearing account for PayPal, Klarna, Stripe and so on) Temu only ever uses one clearing account.

That makes this very simple: in most cases you only need one bank rule.

There are only three moving parts:

Once both sides are in, the clearing account clears back down, though it will rarely be exactly zero at a month end. See Step 4 for what to expect. The bank rule below automates step 3, so you never have to code a Temu deposit by hand again.

On your Link My Books Settlements page, find the Temu settlement, click the Action dropdown and select Send to Xero.

If you check your Balance Sheet in Xero afterwards, you will see the settlement total sitting in the Temu clearing account, waiting for the payout to arrive.

Go to the bank account in Xero that Temu pays into, find any Temu deposit, click Options above it and select Create bank rule.

Set the rule up like this:

👉 Check the wording on your own statement first. Temu payouts do not always show up as "Temu", so copy the exact text your bank uses rather than assuming.

Save the rule. Every Temu deposit on that bank account will now match automatically, and all you need to do is click the blue OK button on each one.

Occasionally Temu will take money back rather than pay you, for example when refunds in a period are higher than sales. When that happens the transaction appears as money out, and your Receive Money rule will not pick it up.

To cover it, set up a second rule with exactly the same criteria, but as a Spend Money rule pointing at the same Temu clearing account.

If you have never seen a payment out from Temu, you can skip this step and add it later if you need to.

Once you have reconciled, open your Balance Sheet in Xero and check the Temu clearing account.

Do not expect it to be zero at a month end. A balance is normal here, and you can work out exactly what it should be.

Temu pays out on its own statement periods. These run every few days and do not line up with calendar months. Temu also holds back a reserve on each payout and releases it when the next one is made. So at a month end your clearing account will be holding two things:

Add those together and that is what the account should show. Both clear in the following month.

You can find the reserve on your Link My Books settlement, on the Temu Reserved Balances lines.

If you were already selling on Temu before your Link My Books start date, Temu owed you money on day one. Your first payouts will include trading that Link My Books never posted a settlement for, so the clearing account will go negative by that amount and stay there.

To fix it, post an opening balance into the clearing account for what Temu owed you the day before your start date. That is unpaid sales plus any reserve Temu was holding.

If you are not sure how to post it, or where that balance currently sits in your books, check with your accountant.

The rule is not matching my deposits. The text in your condition probably does not match your bank statement exactly. Open one of the unmatched deposits and copy the wording straight from it.

The balance is growing. Check that every Temu deposit has been coded to the Temu clearing account and not somewhere else, and that all of your Temu settlements have been sent from Link My Books.

The balance is negative. This usually means deposits have been allocated to the clearing account for settlements that have not been sent yet. Send the outstanding settlements and it should clear. It can also mean you started using Link My Books after you began selling on Temu, so early payouts cover trading with no settlement behind it. See Step 4.