Invio Xero MCP

npx add-mcp 'https://www.invio.co.nz/api/xero-mcp'

Example Claude

Claude 8 Xero organisations connected

How did each company in the group do last month?

Claude

Read 8 organisations get_xero_group_report

Last month, NZD	Income	Expenses	Net profit
Apex Holdings Ltd	58,450.00	21,380.00	37,070.00
Apex Electrical Ltd	214,600.00	168,215.50	46,384.50
Apex Property Ltd	96,320.00	41,870.25	54,449.75
Apex Plumbing Ltd	131,780.00	119,402.00	12,378.00
Apex Projects Ltd	87,250.50	93,114.00	-5,863.50
+ 3 more organisations	106,850.75	90,385.75	16,465.00
Total, added up by Invio	695,251.25	534,367.50	160,883.75

A plain side-by-side sum in NZD, not a consolidation: money between these companies is counted on both sides.

Draft this month's management fee from Apex Holdings Ltd to Apex Electrical Ltd, $4,500.00 plus GST.

Claude

I haven't sent anything to Xero. I've drafted the invoice and it is waiting in your approval queue in Invio. If nobody approves it, it expires on its own.

Xero

Read 8 organisations

get_xero_group_report

Apex Holdings LtdCreate invoiceexpires in 24 h

Create a new invoice in "Apex Holdings Ltd" for Apex Electrical Ltd - 1 line item, estimated subtotal NZD 4500.00 (excl. tax - Xero calculates the final, tax-inclusive total once created).

Drafted by Claude

Nothing is written to Xero until a person approves it.

What the connector can do across multiple organisations in a single session

Writes

Each one is a draft that waits for your approval.

• Invoices and bills Create, or update one that is still a draft or awaiting approval.
• Contacts: create or update
• Credit notes, for sales or bills
• Quotes
• Manual journals

OptionalOff by default.

• Payments against invoices
• Payroll: timesheets, leave, pay runs, employee details Pay runs in Australia and New Zealand. Posting one is Australia only, and Invio cannot undo it.

Reads

Live from Xero. Nothing is changed.

• Every connected organisation
• Invoices and bills, with line items
• Who owes you and how overdue
• Profit and loss, balance sheet, accounts One organisation, or several side by side with a total: a plain sum in one currency, not a consolidation.
• Contacts, credit notes, quotes, projects
• Drafts still waiting for approval

OptionalOff by default.

• Payments, employees, leave and pay runs Payroll covers Australia, New Zealand and the United Kingdom.

You choose the permissions when you connect.

Where your data goes

The first question everyone asks, answered plainly. The full version, permission by permission, is on the security page.

Where does my data go?

To answer a question, the connector reads from Xero through Xero's own API, only for the organisations and permissions you chose. Your assistant reads the result to answer you; Invio does not keep it afterwards.

What does Invio keep?

Your Xero refresh token, encrypted. The list of organisations you authorised. A record of which tool ran, when, and against which organisation. While it waits for you, the draft itself, with its real amounts and contact details: until you approve or reject it, or for up to 24 hours if you do neither, and its financial detail is then cleared from our records within 90 days. Not a copy of your ledger.

Can it change my books on its own?

No. A change your assistant proposes is only a draft. Nothing reaches Xero until a person approves it, and it expires after 24 hours if nobody does. Every approval records who made it.

Can I stop it?

Yes, any time. You choose the permissions and the organisations, and payments and payroll stay off unless you turn them on. Revoke any connector, or disconnect Xero entirely, from Settings: access ends on the next call, and Invio asks Xero to revoke its token too.

Is it used to train AI models?

Not by us, and not by Xero's terms, which prohibit it. What the assistant's own provider does with your query is governed by your agreement with them, not with us - check their current terms before you rely on that.

.

One connector, every organisation in your group

A holding company and one or more trading companies, an investment or family-office portfolio, property and SPV portfolios, funds, multi-brand operators, or one owner running entities in two countries - anyone whose group-level question does not have a single-entity answer. Xero holds each organisation as its own file; your assistant does not have to work that way.

"Who owes the group money, right now?"

Ask once, and your assistant reads outstanding receivables from every organisation you've authorised and lays the totals out per entity - no reconnecting between them.

Example result / receivables by organisation

Right now, NZD	Outstanding	Overdue
Apex Holdings Ltd	18,420.00	3,150.00
Apex Electrical Ltd	41,862.50	12,240.00
Apex Property Ltd	27,310.00	0.00
Total, added up by your assistant	87,592.50	15,390.00

Grounded in: get_xero_outstanding_receivables, read per organisation

"How is each entity's month going?"

Ask for profit and loss or the balance sheet across every organisation in one go: a row per account, a column per entity and a total added up by Invio, side by side instead of one login at a time. It needs the entities to report in one currency - if they do not, you are told which is which and nothing is converted.

Example result / balance sheet, side by side

End of last month, NZD	Assets	Liabilities	Net assets
Apex Holdings Ltd	184,500.00	52,400.00	132,100.00
Apex Electrical Ltd	342,380.50	218,215.25	124,165.25
Apex Property Ltd	615,000.00	340,300.75	274,699.25
Total, added up by Invio	1,141,880.50	610,916.00	530,964.50

Grounded in: get_xero_group_report (a single organisation: get_xero_profit_and_loss, get_xero_balance_sheet)

"Which job is running over its estimate?"

Compare what's already been invoiced and spent on a project against what it was estimated at, in whichever organisation it sits in.

Example result / one job in Apex Electrical Ltd

Switchboard upgrade, Kauri Ridge

Estimate, NZD

42,000.00

Time logged, NZD

31,480.00

Expenses logged, NZD

14,920.00

Invoiced so far, NZD

36,000.00

Still to invoice, NZD

10,400.00

Logged work comes to 46,400.00, 4,400.00 over the estimate. Added up by your assistant.

Grounded in: get_xero_project (Xero Projects)

"What is behind that number?"

Ask for the individual invoices, bills or credit notes in any organisation - by status or date range - and open any one to see its line items, so a figure you are unsure about can be traced to the documents behind it.

Example result / INV-0412 in Apex Electrical Ltd

INV-0412 - Kauri Ridge Property Ltd - Authorised, due 27 Aug

Description	Qty	Unit	Amount
Switchboard upgrade, stage 2	1	6,800.00	6,800.00
Cable and conduit	120	14.50	1,740.00
Electrician labour, hours	38	95.00	3,610.00
Subtotal	12,150.00
Tax	1,822.50
Total, NZD	13,972.50

Grounded in: list_xero_invoices, get_xero_invoice, list_xero_credit_notes, get_xero_credit_note

Who can approve, and where is it written down?

Owner, Approver and Viewer roles decide who can approve what: the Owner is always the account holder, and Approver and Viewer roles are available on Pro and Growth. Each approval or rejection stays in History, with the person who made it and what it did in Xero.

Settings / AI connections / Xero / Team

• ana@apexgroup.example Can approve/reject - restricted to Apex Holdings Ltd, Apex Property Ltd
• ben@apexgroup.example View only - all organisations
• cara@apexgroup.example Can approve/reject - all organisations - invited, not yet accepted Invited

Approvals are recorded against the person, not the shared account. A role only controls what a person can do - it is enforced on our servers, not just hidden in this screen.

Approvals / History

• Apex Holdings Ltd Create invoice Create a new invoice in "Apex Holdings Ltd" for Apex Electrical Ltd - 1 line item, estimated subtotal NZD 4500.00 (excl. tax - Xero calculates the final, tax-inclusive total once created). Approved by ana@apexgroup.example - 2 hours ago - -> Xero INV-0058
• Apex Property Ltd Create contactRejected Add a new contact "Kauri Ridge Maintenance Ltd" to "Apex Property Ltd". Rejected by ben@apexgroup.example - 1 day ago - Not sent

Shown: the Team panel and the approval History

Each organisation is read on its own, in its own currency, and the group report adds them up side by side - a plain sum. Invio does not consolidate the group's books - no intercompany eliminations, no account mapping, no currency translation - so it sits alongside the tool you consolidate in, not in place of it.

Also used by practices that hold several client files.

Explore what the connector can do

See practical examples, payroll coverage and the approval process.

Three steps, one of them yours

01Connect Xero

In Settings > AI connections > Xero, choose which permissions to grant, sign in with Xero, and pick one organisation from its list. Xero shows one organisation at a time, so click "Connect another" on the Xero card to add the next, up to your plan's limit.

Settings / AI connections / Xero

Xero

8 of 12 organisations · signed in as Owner

Apex Holdings Ltd

Authorised since 12 Sep 2026

Apex Electrical Ltd

Authorised since 12 Sep 2026

Apex Property Ltd

Authorised since 19 Sep 2026

+ 5 more organisations

The Xero card in Settings, after you connect

02Generate a connector URL, add it to your assistant

Generate a connector URL on the Xero card and paste it into Claude, ChatGPT or your assistant of choice - it reads your live data directly. Start with something read-only, like what's outstanding in one organisation, before you ask it to draft anything.

Settings / AI connections / Xero

Your new connector URL

https://www.invio.co.nz/api/xero-mcp/ ==••••••••••••••••••••••••==

Copy it now - this is the only time we show it.

The connector URL, shown once on the same card

03You approve

When it wants to create or change an invoice, a contact, a credit note, a quote, a journal, or record a payment, that becomes a draft - not a change to your books. Review it, then approve or reject - with a click in Invio, or by telling your assistant to go ahead. Nothing reaches Xero until you do, and an unapproved draft expires after 24 hours.

Approvals

Apex Holdings Ltd Create invoiceexpires in 24 h

Create a new invoice in "Apex Holdings Ltd" for Apex Electrical Ltd - 1 line item, estimated subtotal NZD 4500.00 (excl. tax - Xero calculates the final, tax-inclusive total once created).

Drafted by Claude

After you approve

Apex Holdings Ltd Create invoice

Approved by ana@apexgroup.example - just now - -> Xero INV-0058

A draft in your approvals, then the same change in History

Step 2 depends on your assistant. These three have their own setup guide; other AI assistants that support connectors may need their own configuration.

• Claude Click Open in Claude to add the connector directly in claude.ai, or run /mcp in Claude Code. Claude setup guide
• ChatGPT Turn on Developer mode in ChatGPT Settings, then add the connector URL as a custom connector. ChatGPT setup guide
• Microsoft Copilot Add the connector to a Copilot Studio agent's Tools page, then publish that agent for the people who should use it. Microsoft Copilot setup guide

Read the full setup guide for what Xero's consent screen asks for, screen by screen.

New to this category? What is an MCP connector for Xero? Or read what it can see, and what it can never touch.

Reads are live. Writes wait for you.

38 tools in total, grouped by what they mean for your books - not a raw tool list.

Settings / AI connections / Xero / Permissions

Permissions

What your assistant can reach through this connection.

• Core connectionRequired Identify you and resolve which organisations and contacts your assistant can see. Required - every connection needs this to work at all. ReadsDrafts

• Invoices, credit notes and quotes Read your invoices, credit notes and quotes, and draft changes for you to approve. ReadsDrafts

• Manual journals Draft manual journals for you to approve. Invio cannot read journals back. Drafts

• Reports Read the profit & loss and balance sheet reports. Reads

• Projects Read your Xero Projects data, if you use it. Reads

• Record paymentsOff by default Draft payments against invoices, held for approval like every other draft. Off by default. ReadsDrafts

• Payroll, read onlyOff by default Read payroll data - employees, pay runs, timesheets and settings. Australia, New Zealand and the UK. Off by default. Reads

• Payroll: make changesOff by defaultNeeds Payroll, read only Draft timesheets and pay runs, post a pay run, record leave; every change waits for your approval; a posted pay run cannot be reversed through Xero's API. Requires Payroll, read only. Drafts

• Readsare live

  Your assistant calls Xero and the answer comes straight back. Nothing is held, and nothing is changed.

• Draftswait for you

  Anything it wants to create or change becomes a draft in your approval queue. A person approves or rejects it; if nobody does, it expires after 24 hours and nothing reaches Xero.

• You choose what it can touch

  Core connection is required. Off until you turn them on: Record payments; Payroll, read only; Payroll: make changes. You can change the choice later from the same card in Settings.

It cannot read the bank feed: individual bank transactions, such as a card charge, are not available, and manual journals can be drafted but not read back.

All 38 tools, by what they mean for your books

Reads

Organisations

Every Xero organisation you've authorised, and whether a connection needs reauthorising.

Invoices and receivables

Sales invoices and bills, filtered by status, date range or reference; any one opened in full, line items included; and who owes you money and how overdue it is.

Contacts

Customers and suppliers, with their contact details and, where Xero returns it, what a customer owes and has overdue.

Credit notes

Credit notes against sales invoices or against bills, and any one opened in full, line items included.

Quotes

Quote lists filtered by status, contact or date, and one quote's full detail, including line items and terms.

Projects

Job and project costing - estimate, invoiced and still-to-invoice figures per project.

Accounts and reports

The chart of accounts, plus profit & loss and balance sheet on demand, row by row as Xero builds them - for one organisation, or side by side across several in one currency, with a total added up by Invio. A plain sum: no eliminations, no account mapping, no currency conversion.

Approval queue

What's still waiting for your approval right now, across every organisation you've connected. Act on it right there in the chat - but only once you've clearly said to - or follow the direct link to Settings.

Writes, via approval

Draft invoices

Create or update an invoice - held until you approve it.

Draft contacts

Create or update a customer or supplier.

Credit notes

Draft a credit note against an existing invoice.

Draft quotes

Draft a quote for a contact - held until you approve it.

Manual journals

Draft a manual journal entry.

Optional permissions, off until you turn them on

Payments (optional permission)

Payments already recorded in Xero - who paid, how much, against which invoice. Only visible if you've chosen to grant this permission for a connection.

Payroll, read only (optional permission)

Employees, pay runs, timesheets, leave balances, earnings rates and leave types - Australia, New Zealand and the United Kingdom. Only visible if you've chosen to grant this permission for a connection.

Record payments (optional permission)

Record a payment against an invoice - held until you approve it. Unlike everything else here, once approved this applies in Xero immediately; it can only be undone from inside Xero itself.

Payroll: make changes (optional permission)

Draft a timesheet (Australia, New Zealand or the United Kingdom) or a pay run (Australia or New Zealand only - Xero's own API documents no way to create one for the United Kingdom, generated inside Xero from the pay calendar instead), held until you approve them. Posting a pay run to Xero is a separate step, Australia only - Invio does not build a way to undo it, so check it in Xero if you need to be sure - and only tickable once Payroll, read only is granted too. Also propose a leave application for one employee, or a change to an employee's first name, last name, email, phone/mobile, or home address - and nothing else about them; bank details, tax numbers, pay and leave entitlements are not fields this connector can ever touch.

See it in action

A two-minute recording, made in claude.ai, of this connector answering questions against a test Xero organisation. Beside it, three questions as a transcript against Xero's own Demo Company (NZ) sample data.

A real recording, made in claude.ai, against a test Xero organisation, phrased and priced for a US accounting practice. The wait between question and answer is shortened - nothing else is altered.

In Demo Company (NZ), who owes me money and how much?

NZ$18,196.38 is outstanding across 12 invoices, and NZ$12,372.63 of that is overdue. The largest is Ridgeway University at NZ$6,187.50 - all of it overdue. City Limousines has four invoices overdue too, the oldest due back on 27 June.

Of those, which one has been overdue the longest, and what should I chase first?

City Limousines has been waiting longest - its oldest invoice was due 27 June, and three more have followed since. Ridgeway University is the single biggest amount, NZ$6,187.50, entirely overdue. If you can only chase one today, chase City Limousines - it's been waiting longest. If you have time for a second, Ridgeway University is worth the most.

Draft an invoice in Demo Company (NZ) for Bayside Club, NZ$450 plus GST, for a callout on 8 September.

I haven't sent anything to Xero - I've drafted a sales invoice for Bayside Club, NZ$450 (excl. tax; Xero adds GST once it's created), for the 8 September callout. It's now waiting in your Xero AI connector's approval queue in Invio, with the exact details for you to check before anything happens. If nobody approves or rejects it, it expires on its own in 24 hours - nothing reaches Xero unless you say so.

These are Xero's own Demo Company (NZ) sample figures - Xero publishes that organisation as fictional data, not a real customer's books. The first two answers were produced by the live connector on 10 September 2026; the third shows what the connector actually returns for a drafted invoice.

Name the organisation when you ask something new, the way the first and third questions above do. With only one organisation connected, Invio uses it automatically; with more than one, it asks which one rather than guessing. A follow-up that reasons over an answer already on screen, like the middle question above, does not need to repeat it.

Priced on organisations, never on assistants

Start any plan with a 7-day free trial - no card needed. Every plan includes all 38 tools and the approval queue. Inviting Approvers and Viewers starts on Pro. Plans differ by how many organisations you connect and how separated they stay.

Organisation counts below are each plan's own ceiling - a separate number from how many Xero organisations this app can connect in total right now. Price is set by how many organisations you connect - inviting a teammate to approve drafts costs nothing extra.

Try the connector free for 7 days

7 days free. No card needed. Try it on up to 2 organisations, whichever plan you pick. When the week ends the trial simply stops - you are never charged unless you choose to subscribe.

Starter

An owner-operator or investor with a handful of entities.

Up to 5 organisations

All 38 tools - reads live, writes wait for your approval

The account owner approves every change

$87 /mo USD

Pro

A group where more than one person needs to approve.

Up to 12 organisations

Everything in Starter, plus:

Invite your team as Approvers or Viewers

$136 /mo USD

Growth

A group where access has to stay separated, entity by entity, person by person.

Up to 25 organisations

Everything in Pro, plus:

Restrict a team member to specific organisations

$185 /mo USD

Enterprise

More than 25 organisations, or something bespoke for a larger group.

As many organisations as you need

Everything in Growth, plus whatever your group needs - tell us and we will scope it

Custom

Every plan includes hosted infrastructure, automatic token refresh, and unlimited assistants - connect Claude, ChatGPT or another AI assistant that supports connectors, on the same subscription. Prices in USD. This is a separate subscription from Invio invoicing plans: buying one does not include the other, and you do not need an invoicing plan to use the connector.

If you already use Xero's own connector

Checked 7 October 2026: Xero describes the hosted connector as read-only at launch, including profit and loss summaries. Record changes happen in Xero. Xero's setup has you choose an organisation. Xero's Remote MCP, the endpoint this connector uses, became generally available on 13 October 2026 and works across several Xero organisations one per call. Whether the hosted Claude connector offers that in one conversation is not documented, so it is not verified here.

If your group needs every organisation in one conversation, the invoices and bills behind each total, and changes held as drafts for a person on your account to approve, that is what Invio is built for. Our dated comparison sets Xero's own tools, other connectors and Invio side by side, with a source and a checked-on date for each fact.

Frequently Asked Questions

Is there an official Xero MCP server?Which AI assistants does this work with?What happens when my assistant wants to change something?Once I approve an invoice, is it finished in Xero?Who on my team can approve a change?Can my assistant read data without approval?Can it work across all my Xero organisations at once?Does it consolidate my group's books?How much detail can my assistant see - the lines, or only totals?Does inviting a team member cost extra?Is this an official Xero product?How is this different from Xero's own AI connector?What Xero permissions does it need?Can I limit what the assistant can reach?Where does my financial data go?Is my data used to train AI models?Who is responsible for what gets posted?What if I switch assistants later?

Connector pages

Invio works with Xero; it does not replace it. To compare how it sits next to the options Xero offers itself, read.

Questions and draft actions across several Xero organisations.

What it reads and drafts in Australian, New Zealand and UK Xero Payroll.

How changes wait for a person before anything reaches Xero.

Connecting your first organisation, screen by screen.

What the connector can see, and what it can never touch.

Adding the connector to Claude.

Adding the connector to ChatGPT.

Xero's own ways to connect an assistant, set out next to Invio.