Where do you want to work?
Questions, approval-held drafts, or scheduled workflows?
Start with the task and the workspace. Compare Xero's own products alongside Invio as a reference, then check the requirements for your account.
Six 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.
Hosted Xero in Claude
Where you work
Ask about your Xero finances inside Claude, without developer setup.
Verified in source - checked 2026-09-18. 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 2026-09-18. Source
Organisations and control
The setup selects an organisation. Simultaneous multi-organisation use and the current switching procedure are not verified here.
Not verified - checked 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. Source
JAX
Where you work
Open JAX from the navigation inside Xero to ask financial questions.
Verified in source - checked 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. Source
Native Microsoft integration
Where you work
Xero has a first-party integration for questions in Microsoft 365 Copilot.
Verified in source - checked 2026-09-18. 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 2026-09-18. Source
Organisations and control
Multi-organisation behaviour and a separate approval queue are not verified here.
Not verified - checked 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. Source
Organisations and control
The setup selects an organisation. Simultaneous multi-organisation use and the current switching procedure are not verified here.
Not verified - checked 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. Source
Organisations and control
Multi-organisation behaviour and a separate approval queue are not verified here.
Not verified - checked 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. 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 2026-09-18. Source
Check your next step
Use each source to confirm access for your organisation. If Invio fits the task, check its current plan allowance and your assistant's setup requirements.