Xero AI and MCP options compared
Where do you want to work? Questions, approval-held drafts, or scheduled workflows?
If your group runs more than one Xero organisation, start here: compare where each option lets you work, whether it reasons across every organisation or just the one you signed into, and what happens when it wants to write something back. Xero's own products are listed alongside Invio as a reference, not a sales pitch - check the requirements for your account before you choose.
7 days free, no card needed. Plans from $87 USD a month for up to 5 organisations. See pricing and plans.
Eight options, different jobs
Verified means supported by the linked documentation or code, not a live test of your account. Not verified means a detail still needs checking; it does not mean the product lacks it.
This is a selected comparison, not an exhaustive directory. Sources can change. Compare subscription, hosting and organisation requirements before comparing cost.
| Option | Where you work | Questions, drafts or workflows | Organisations and control | Access and cost |
|---|---|---|---|---|
| Hosted Xero in Claude | Ask about your Xero finances inside Claude, without developer setup. Verified in source - checked 7 October 2026. Source | Xero describes the hosted connector as read-only at launch, including profit and loss summaries. Record changes happen in Xero. Verified in source - checked 7 October 2026. Source | 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. Not verified - checked 29 October 2026. Source | Free to add, with an active Xero subscription and a free or paid Claude account. This does not make the Xero subscription free. Verified in source - checked 7 October 2026. Source |
| Official open-source MCP | Developer-operated server. The reviewed entry point uses stdio: check client transport support; a remote client needs an appropriate bridge. Verified in source - checked 7 October 2026. Source | The README lists invoice and contact creation and update tools, plus profit and loss and balance sheet reports. Verified in source - checked 7 October 2026. Source | The stock client selects the first connected tenant for its instance. A multi-organisation adaptation needs its own design; this is not a platform-wide prohibition. Verified in source - checked 7 October 2026. Source | The README requires Node.js and Xero authentication setup. Budget for operation and maintenance; your total hosting, API and subscription cost is not verified here. Not verified - checked 7 October 2026. Source |
| Xero remote MCP server | Hosted by Xero at mcp.xero.com/mcp, with no local install. Became generally available on 13 October 2026 for developers building their own apps. That endpoint is also the connector URL Anthropic lists for Xero's Claude connector (claude.com/connectors/xero). Verified in source - checked 29 October 2026. Source | It reads and writes, and its tools do not ask for user confirmation. Xero's hosted Claude connector is described separately as read-only at launch. Verified in source - checked 29 October 2026. Source | It works across several Xero organisations, one per call. Roles, per-organisation access and an audit trail are not documented, so they are not verified here. Not verified - checked 29 October 2026. Source | Setup needs a Xero developer app using PKCE, on Xero's Core plan or above. Who registers that app for a non-developer is not stated, and your total cost is not verified here. Not verified - checked 29 October 2026. Source |
| JAX | Open JAX from the navigation inside Xero to ask financial questions. Verified in source - checked 18 September 2026. Source | Xero describes financial insights and help creating invoices or quotes. JAX is not limited to the hosted Claude connector feature set. Verified in source - checked 18 September 2026. Source | Answers follow the user permissions in Xero. Cross-organisation orchestration and a separate persisted approval queue are not verified here. Not verified - checked 18 September 2026. Source | The NZ page says JAX chat is available to all Xero subscribers and users. Exact feature entitlements and your regional plan cost are not verified here. Not verified - checked 18 September 2026. Source |
| XeroForce | Xero describes a no-code agent builder joining Xero and third-party apps for finance and compliance work. Verified in source - checked 18 September 2026. Source | The July demonstration describes scheduled workflows and test runs before activation. This is a documented demonstration, not proof of access on your account. Verified in source - checked 18 September 2026. Source | Xero describes practice-wide workflows, review steps, client sign-offs and auditable activity. Approval and multi-client work are not exclusive to Invio. Verified in source - checked 18 September 2026. Source | The 21 August update describes early access and plans wider release later in 2026. Current account eligibility, pricing and general availability are not verified here. Not verified - checked 18 September 2026. Source |
| Native Microsoft integration | Xero has a first-party integration for questions in Microsoft 365 Copilot. Verified in source - checked 18 September 2026. Source | The current US product page describes P&L, receivables and cash questions, read-only at launch, with links into Xero to act. Verified in source - checked 18 September 2026. Source | Multi-organisation behaviour and a separate approval queue are not verified here. Not verified - checked 18 September 2026. Source | The US page specifies a paid Microsoft 365 Business or Enterprise account and a Xero subscription. NZ/AU account eligibility and total cost are not verified here. Not verified - checked 18 September 2026. Source |
| Xero Connector by Meridian | Works with Claude, Cowork, Codex and ChatGPT. Hosted by Meridian. Verified in source - checked 27 September 2026. Source | Creates and modifies supported Xero transactions directly, including journal entries, invoices, bills, payments, purchases, transfers, customers, vendors, accounts and attachments. No approval step is described in its launch announcement; not verified whether one exists elsewhere. Not verified - checked 27 September 2026. Source | Connects multiple Xero organisations to the same agent, each with its own read-only or read-write setting. Verified in source - checked 27 September 2026. Source | Free, as announced on 22 September 2026. Built by Pilot, the maker of Meridian, a paid month-end close product for accounting firms. Verified in source - checked 27 September 2026. Source |
| Invio (reference) | Hosted remote MCP connector. A published recording shows claude.ai with a Xero test organisation. Compatibility with other clients is not verified here. Not verified - checked 18 September 2026. Source | Reads are live; proposed writes wait in a persisted queue for human approval. The assistant can propose a change without immediately writing it to Xero. Verified in source - checked 18 September 2026. Source | Multiple organisations within the plan allowance, with team roles on eligible plans. Name the organisation when starting a new request. Verified in source - checked 18 September 2026. Source | Eligible accounts can start a 7-day no-card trial for up to 2 organisations account-wide. Paid connector plans are separate from Invio invoicing. Check current pricing and assistant requirements before subscribing. Verified in source - checked 18 September 2026. Source |
Hosted Xero in Claude
Where you work
Ask about your Xero finances inside Claude, without developer setup.
Verified in source - checked 7 October 2026. Source
Questions, drafts or workflows
Xero describes the hosted connector as read-only at launch, including profit and loss summaries. Record changes happen in Xero.
Verified in source - checked 7 October 2026. Source
Organisations and control
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.
Not verified - checked 29 October 2026. Source
Access and cost
Free to add, with an active Xero subscription and a free or paid Claude account. This does not make the Xero subscription free.
Verified in source - checked 7 October 2026. Source
Official open-source MCP
Where you work
Developer-operated server. The reviewed entry point uses stdio: check client transport support; a remote client needs an appropriate bridge.
Verified in source - checked 7 October 2026. Source
Questions, drafts or workflows
The README lists invoice and contact creation and update tools, plus profit and loss and balance sheet reports.
Verified in source - checked 7 October 2026. Source
Organisations and control
The stock client selects the first connected tenant for its instance. A multi-organisation adaptation needs its own design; this is not a platform-wide prohibition.
Verified in source - checked 7 October 2026. Source
Access and cost
The README requires Node.js and Xero authentication setup. Budget for operation and maintenance; your total hosting, API and subscription cost is not verified here.
Not verified - checked 7 October 2026. Source
Xero remote MCP server
Where you work
Hosted by Xero at mcp.xero.com/mcp, with no local install. Became generally available on 13 October 2026 for developers building their own apps. That endpoint is also the connector URL Anthropic lists for Xero's Claude connector (claude.com/connectors/xero).
Verified in source - checked 29 October 2026. Source
Questions, drafts or workflows
It reads and writes, and its tools do not ask for user confirmation. Xero's hosted Claude connector is described separately as read-only at launch.
Verified in source - checked 29 October 2026. Source
Organisations and control
It works across several Xero organisations, one per call. Roles, per-organisation access and an audit trail are not documented, so they are not verified here.
Not verified - checked 29 October 2026. Source
Access and cost
Setup needs a Xero developer app using PKCE, on Xero's Core plan or above. Who registers that app for a non-developer is not stated, and your total cost is not verified here.
Not verified - checked 29 October 2026. Source
JAX
Where you work
Open JAX from the navigation inside Xero to ask financial questions.
Verified in source - checked 18 September 2026. Source
Questions, drafts or workflows
Xero describes financial insights and help creating invoices or quotes. JAX is not limited to the hosted Claude connector feature set.
Verified in source - checked 18 September 2026. Source
Organisations and control
Answers follow the user permissions in Xero. Cross-organisation orchestration and a separate persisted approval queue are not verified here.
Not verified - checked 18 September 2026. Source
Access and cost
The NZ page says JAX chat is available to all Xero subscribers and users. Exact feature entitlements and your regional plan cost are not verified here.
Not verified - checked 18 September 2026. Source
XeroForce
Where you work
Xero describes a no-code agent builder joining Xero and third-party apps for finance and compliance work.
Verified in source - checked 18 September 2026. Source
Questions, drafts or workflows
The July demonstration describes scheduled workflows and test runs before activation. This is a documented demonstration, not proof of access on your account.
Verified in source - checked 18 September 2026. Source
Organisations and control
Xero describes practice-wide workflows, review steps, client sign-offs and auditable activity. Approval and multi-client work are not exclusive to Invio.
Verified in source - checked 18 September 2026. Source
Access and cost
The 21 August update describes early access and plans wider release later in 2026. Current account eligibility, pricing and general availability are not verified here.
Not verified - checked 18 September 2026. Source
Native Microsoft integration
Where you work
Xero has a first-party integration for questions in Microsoft 365 Copilot.
Verified in source - checked 18 September 2026. Source
Questions, drafts or workflows
The current US product page describes P&L, receivables and cash questions, read-only at launch, with links into Xero to act.
Verified in source - checked 18 September 2026. Source
Organisations and control
Multi-organisation behaviour and a separate approval queue are not verified here.
Not verified - checked 18 September 2026. Source
Access and cost
The US page specifies a paid Microsoft 365 Business or Enterprise account and a Xero subscription. NZ/AU account eligibility and total cost are not verified here.
Not verified - checked 18 September 2026. Source
Xero Connector by Meridian
Where you work
Works with Claude, Cowork, Codex and ChatGPT. Hosted by Meridian.
Verified in source - checked 27 September 2026. Source
Questions, drafts or workflows
Creates and modifies supported Xero transactions directly, including journal entries, invoices, bills, payments, purchases, transfers, customers, vendors, accounts and attachments. No approval step is described in its launch announcement; not verified whether one exists elsewhere.
Not verified - checked 27 September 2026. Source
Organisations and control
Connects multiple Xero organisations to the same agent, each with its own read-only or read-write setting.
Verified in source - checked 27 September 2026. Source
Access and cost
Free, as announced on 22 September 2026. Built by Pilot, the maker of Meridian, a paid month-end close product for accounting firms.
Verified in source - checked 27 September 2026. Source
Invio (reference)
Where you work
Hosted remote MCP connector. A published recording shows claude.ai with a Xero test organisation. Compatibility with other clients is not verified here.
Not verified - checked 18 September 2026. Source
Questions, drafts or workflows
Reads are live; proposed writes wait in a persisted queue for human approval. The assistant can propose a change without immediately writing it to Xero.
Verified in source - checked 18 September 2026. Source
Organisations and control
Multiple organisations within the plan allowance, with team roles on eligible plans. Name the organisation when starting a new request.
Verified in source - checked 18 September 2026. Source
Access and cost
Eligible accounts can start a 7-day no-card trial for up to 2 organisations account-wide. Paid connector plans are separate from Invio invoicing. Check current pricing and assistant requirements before subscribing.
Verified in source - checked 18 September 2026. Source
Check before you choose
The same dated evidence, grouped by option for a closer read.
What should I check before choosing Hosted Xero in Claude?
Where you work
Ask about your Xero finances inside Claude, without developer setup.
Verified in source - checked 7 October 2026. Source
Questions, drafts or workflows
Xero describes the hosted connector as read-only at launch, including profit and loss summaries. Record changes happen in Xero.
Verified in source - checked 7 October 2026. Source
Organisations and control
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.
Not verified - checked 29 October 2026. Source
Access and cost
Free to add, with an active Xero subscription and a free or paid Claude account. This does not make the Xero subscription free.
Verified in source - checked 7 October 2026. Source
What should I check before choosing Official open-source MCP?
Where you work
Developer-operated server. The reviewed entry point uses stdio: check client transport support; a remote client needs an appropriate bridge.
Verified in source - checked 7 October 2026. Source
Questions, drafts or workflows
The README lists invoice and contact creation and update tools, plus profit and loss and balance sheet reports.
Verified in source - checked 7 October 2026. Source
Organisations and control
The stock client selects the first connected tenant for its instance. A multi-organisation adaptation needs its own design; this is not a platform-wide prohibition.
Verified in source - checked 7 October 2026. Source
Access and cost
The README requires Node.js and Xero authentication setup. Budget for operation and maintenance; your total hosting, API and subscription cost is not verified here.
Not verified - checked 7 October 2026. Source
What should I check before choosing Xero remote MCP server?
Where you work
Hosted by Xero at mcp.xero.com/mcp, with no local install. Became generally available on 13 October 2026 for developers building their own apps. That endpoint is also the connector URL Anthropic lists for Xero's Claude connector (claude.com/connectors/xero).
Verified in source - checked 29 October 2026. Source
Questions, drafts or workflows
It reads and writes, and its tools do not ask for user confirmation. Xero's hosted Claude connector is described separately as read-only at launch.
Verified in source - checked 29 October 2026. Source
Organisations and control
It works across several Xero organisations, one per call. Roles, per-organisation access and an audit trail are not documented, so they are not verified here.
Not verified - checked 29 October 2026. Source
Access and cost
Setup needs a Xero developer app using PKCE, on Xero's Core plan or above. Who registers that app for a non-developer is not stated, and your total cost is not verified here.
Not verified - checked 29 October 2026. Source
What should I check before choosing JAX?
Where you work
Open JAX from the navigation inside Xero to ask financial questions.
Verified in source - checked 18 September 2026. Source
Questions, drafts or workflows
Xero describes financial insights and help creating invoices or quotes. JAX is not limited to the hosted Claude connector feature set.
Verified in source - checked 18 September 2026. Source
Organisations and control
Answers follow the user permissions in Xero. Cross-organisation orchestration and a separate persisted approval queue are not verified here.
Not verified - checked 18 September 2026. Source
Access and cost
The NZ page says JAX chat is available to all Xero subscribers and users. Exact feature entitlements and your regional plan cost are not verified here.
Not verified - checked 18 September 2026. Source
What should I check before choosing XeroForce?
Where you work
Xero describes a no-code agent builder joining Xero and third-party apps for finance and compliance work.
Verified in source - checked 18 September 2026. Source
Questions, drafts or workflows
The July demonstration describes scheduled workflows and test runs before activation. This is a documented demonstration, not proof of access on your account.
Verified in source - checked 18 September 2026. Source
Organisations and control
Xero describes practice-wide workflows, review steps, client sign-offs and auditable activity. Approval and multi-client work are not exclusive to Invio.
Verified in source - checked 18 September 2026. Source
Access and cost
The 21 August update describes early access and plans wider release later in 2026. Current account eligibility, pricing and general availability are not verified here.
Not verified - checked 18 September 2026. Source
What should I check before choosing Native Microsoft integration?
Where you work
Xero has a first-party integration for questions in Microsoft 365 Copilot.
Verified in source - checked 18 September 2026. Source
Questions, drafts or workflows
The current US product page describes P&L, receivables and cash questions, read-only at launch, with links into Xero to act.
Verified in source - checked 18 September 2026. Source
Organisations and control
Multi-organisation behaviour and a separate approval queue are not verified here.
Not verified - checked 18 September 2026. Source
Access and cost
The US page specifies a paid Microsoft 365 Business or Enterprise account and a Xero subscription. NZ/AU account eligibility and total cost are not verified here.
Not verified - checked 18 September 2026. Source
What should I check before choosing Xero Connector by Meridian?
Where you work
Works with Claude, Cowork, Codex and ChatGPT. Hosted by Meridian.
Verified in source - checked 27 September 2026. Source
Questions, drafts or workflows
Creates and modifies supported Xero transactions directly, including journal entries, invoices, bills, payments, purchases, transfers, customers, vendors, accounts and attachments. No approval step is described in its launch announcement; not verified whether one exists elsewhere.
Not verified - checked 27 September 2026. Source
Organisations and control
Connects multiple Xero organisations to the same agent, each with its own read-only or read-write setting.
Verified in source - checked 27 September 2026. Source
Access and cost
Free, as announced on 22 September 2026. Built by Pilot, the maker of Meridian, a paid month-end close product for accounting firms.
Verified in source - checked 27 September 2026. Source
What should I check before choosing Invio (reference)?
Where you work
Hosted remote MCP connector. A published recording shows claude.ai with a Xero test organisation. Compatibility with other clients is not verified here.
Not verified - checked 18 September 2026. Source
Questions, drafts or workflows
Reads are live; proposed writes wait in a persisted queue for human approval. The assistant can propose a change without immediately writing it to Xero.
Verified in source - checked 18 September 2026. Source
Organisations and control
Multiple organisations within the plan allowance, with team roles on eligible plans. Name the organisation when starting a new request.
Verified in source - checked 18 September 2026. Source
Access and cost
Eligible accounts can start a 7-day no-card trial for up to 2 organisations account-wide. Paid connector plans are separate from Invio invoicing. Check current pricing and assistant requirements before subscribing.
Verified in source - checked 18 September 2026. Source
Check your next step
Use each source to confirm access for every organisation in your group. If Invio fits the task, check its current plan allowance and your assistant's setup requirements.