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Xero MCP connector

The Xero connector lets Claude, ChatGPT, Cursor and the Elaichi Agent read and update your Xero contacts, payments, bank transactions and tracking categories, with each person signed in as themselves and every action recorded in an audit log.

  • How it connects. Connects over OAuth. The credential goes into a vault nobody reads back.

  • One address. https://api.elaichi.ai/mcp, the same for every user.

  • Their own access. An agent never gets more than the person it acts for.

How to connect

How to connect Xero to Claude, ChatGPT or Cursor

Two steps, about a minute.

1

In Elaichi

Connect Xero once

  1. Open Connections, choose Add connection, and pick Xero.

  2. Optionally set Share with to give a team access, then press Connect.

  3. Supply your own Xero app, then approve. Xero needs an OAuth app you register yourself, so bring its client ID and secret. One person does this once for the organization.

The credential is vaulted. Nobody reads it back, not even the AI.

Add connection

Choose a connector.

xero
Xero
Acumatica
AngelList
Bexio
BlackLine
Buildium
2

In your AI client

Point it at one endpoint

Everyone in the organization uses the same address, and each person only ever reaches what their own account allows.

Xero MCP connector for Claude

  1. 1

    Open Customize, then Connectors.

  2. 2

    Press Add.

  3. 3

    Name it, paste the MCP server URL, then Continue.

    https://api.elaichi.ai/mcp
  4. 4

    Sign in and approve.

On Team and Enterprise, an Owner adds it once. Everyone else turns it on for themselves.

Xero MCP connector for ChatGPT

  1. 1

    Open Plugins, then press the + button.

  2. 2

    Name it and paste the endpoint into Server URL.

    https://api.elaichi.ai/mcp
  3. 3

    Leave Authentication on OAuth, then tick the risk acknowledgement.

  4. 4

    Press Create, then sign in and approve.

Works on the web today. The plugin directory lives at chatgpt.com/plugins.

Xero MCP connector for Cursor

  1. 1

    Open ~/.cursor/mcp.json.

  2. 2

    Add the endpoint under mcpServers.

    https://api.elaichi.ai/mcp
  3. 3

    Reload Cursor, then sign in and approve.

~/.cursor/mcp.json

{
  "mcpServers": {
    "elaichi": {
      "url": "https://api.elaichi.ai/mcp"
    }
  }
}

Set up per machine, so repeat it on each computer you work from.

Connect Xero to any MCP client

  1. 1

    Add the endpoint as a remote MCP server.

    https://api.elaichi.ai/mcp
  2. 2

    Sign in and approve.

{
  "mcpServers": {
    "elaichi": {
      "url": "https://api.elaichi.ai/mcp"
    }
  }
}

The Elaichi Agent already has these tools, with nothing to set up.

Use cases

What teams do with Xero through Elaichi

Every one of these runs inside the access the person already has, and lands in the same audit log.

  • Finance

    Find every payment from one customer

    Ask for all payments recorded against a customer in Xero this quarter and get the list with dates and amounts, without opening the payments screen and filtering by hand.

  • Accounts receivable

    Record a payment the moment it arrives

    When a customer confirms a transfer, tell the agent the contact, amount and date and it creates the payment in Xero on the spot.

  • Bookkeeping

    Check what hit the bank this week

    Pull the week's bank transactions out of Xero, see which ones have attachments, and spot anything that still needs a receipt.

  • Sales

    Add a new customer before the first bill

    After a deal closes, hand over the company name, billing email and address and the contact is created in Xero ready for invoicing.

  • Operations

    Clean up duplicate or stale contacts

    Find contacts in Xero with old addresses or duplicate names and update or remove them in bulk, with the history of each change kept.

  • Leadership

    See spend by department or project

    List the tracking categories set up in Xero and ask how payments break down across them, then rename or retire a category when a team changes.

Try asking

  • “List Xero contacts with invoices overdue more than 30 days.”
  • “Total payments received this month by tracking category.”
  • “Create a Xero contact for Northwind Supplies with billing email.”

See all 250 Xero tools below

Compare

Elaichi vs Zapier MCP vs Composio for Xero

All three can connect Xero to an AI assistant, and all three have admin controls. They differ in where access lives and how you pay.

Elaichi compared with Zapier MCP and Composio for Xero, by what to check
What to check Elaichi Zapier MCP Composio
Where the AI connects One address for the whole organization. https://api.elaichi.ai/mcp A server per member, created at sign-in. An MCP endpoint per team, or an SDK.
Control over Xero tools Allow or restrict single Xero tools, per role or user. App and action restrictions on the account. Role permissions, down to the action.
Record of calls One audit entry per Xero call. A History tab of tool calls. A log of every tool call.
Single sign-on SAML or OIDC, plus SCIM, on Gold. SAML on Enterprise. SAML and OIDC on Enterprise.
Price $15 per user per month. 2 tasks per successful call. Billed per tool call.

Sources: Zapier MCP docs, security, usage; Composio docs, gateway, enterprise, pricing. Checked September 2026.

Longer take: Zapier MCP alternative and when you don't need an MCP gateway.

AI tools

Xero tools for your AI agents

250 tools are ready to call through Elaichi's MCP endpoint the moment you connect Xero, governed by the same roles, restrictions, and audit log as everything else in Elaichi.

See it in Elaichi

What connecting Xero gets you

6 screens from the product, each doing one job for your Xero account.

The agent

Ask about invoices, get real answers.

Plain language questions run against live Xero contacts, invoices and payments.

  • contacts
  • invoices
  • payments
  • tracking categories

Ask Elaichi to work across your apps.

List Xero contacts with invoices overdue more than 30 days.

Total payments received this month by tracking category.

Create a Xero contact for Northwind Supplies with billing email.

Also runs in Claude, ChatGPT or Cursor

MCP clients

Claude, ChatGPT and Cursor reach Xero.

One org MCP endpoint over OAuth, no SDK and no shared API key.

ElaichiMCP clients
Claude ChatGPT Cursor

Copy the endpoint

https://api.elaichi.ai/mcp
Client Connected by Status Last used
Claude
E

Emily Carter

• Connected 4 minutes ago
Cursor
M

Megan Brooks

• Connected 2 hours ago
ChatGPT
R

Ryan Hayes

• Connected Yesterday

Tool catalog

250 Xero tools, zero custom code.

Contacts, payments, tracking categories and attachments, each with listed resources and methods.

  • List all Xero contacts
  • Get single Xero contact by ID
  • Create a Xero contact
  • Update a Xero contact by ID
ElaichiTools
Tool Action Description
List all Xero contacts List List all contacts in a Xero organisation. Returns: ContactID, Name, EmailAddress, ContactStatus, IsSupplier, IsCustomer, Addresses, Phones, Balances, UpdatedDateUTC, HasAttachments. Optionally filter by where clause, IDs, searchTerm, or includeArchived.
Get single Xero contact by ID Get Get a specific Xero contact by id. Returns: ContactID, Name, EmailAddress, ContactStatus, Addresses, Phones, Balances, PaymentTerms, BrandingTheme, ContactPersons, IsSupplier, IsCustomer, UpdatedDateUTC. Required: id.
Create a Xero contact Create Create or update one or more contacts in a Xero organisation. Returns: ContactID, Name, EmailAddress, ContactStatus, Addresses, Phones, IsSupplier, IsCustomer, PaymentTerms, UpdatedDateUTC, HasValidationErrors. Required: Contacts.
Update a Xero contact by ID Update Update an existing Xero contact by id. Returns: Contacts (array containing the updated contact record), Status, DateTimeUTC. Required: id, Contacts.
Delete a Xero contact by ID Delete Delete a specific contact from a Xero contact group by id. Returns an empty 204 response on success. Required: contact_group_id, id.

Toolboxes

Every team gets its own toolbox.

Finance, payroll and sales each see a curated slice of Xero.

  • Finance
  • Accounts payable
  • Accounts receivable
  • Payroll
ElaichiToolboxes
Name Source template Tools Created

Finance toolbox

Xero · invoices and payments

Xero starter 18 Mar 4, 2026

Accounts payable toolbox

Xero · bills and credit notes

— 9 Mar 2, 2026

Accounts receivable toolbox

Xero · overdue invoices and contacts

— 24 Feb 27, 2026

Payroll toolbox

Xero · employees and pay runs

Xero starter 6 Feb 19, 2026

Sales toolbox

Xero · quotes and customer contacts

— 31 Jan 30, 2026

Audit toolbox

Xero · journals and tracking categories

— 12 Jan 22, 2026

Shared connections

Share the Xero account, never the login.

See who connected each account and which teams and members use it.

  • Finance UK
  • Group reporting
  • Accounts payable
  • Payroll
ElaichiConnections
Connection Scope Status Access
XE

Xero (Finance UK)

Connected by Emily Carter

Personal • Active 1 team · 6 members
XE

Xero (Group reporting)

Connected by Jake Morgan

Organization • Active 3 teams · 24 members
XE

Xero (Accounts payable)

Connected by Megan Brooks

Organization • Active 2 teams · 11 members
XE

Xero (Payroll)

Connected by Tyler Reed

Personal • Needs re-auth 1 team · 3 members
XE

Xero (Sales ledger)

Connected by Ryan Hayes

Personal • Active Not shared
XE

Xero (External accountant)

Connected by Ashley Parker

Personal • Active 2 teams · 9 members

Audit log

Answer who touched that invoice.

Every Xero call logged with time, person, action, type and resource.

  • When
  • Who
  • What happened
  • Type
ElaichiAudit log
When Who What happened Type

2 minutes ago

Mar 6, 2026, 3:10 PM

E

Emily Carter

emily.carter@northwind.io

Restriction Created Access

8 minutes ago

Mar 6, 2026, 3:04 PM

J

Jake Morgan

jake.morgan@northwind.io

Restriction Updated Access

14 minutes ago

Mar 6, 2026, 2:58 PM

M

Megan Brooks

megan.brooks@northwind.io

Role Assigned Access

20 minutes ago

Mar 6, 2026, 2:52 PM

T

Tyler Reed

tyler.reed@northwind.io

Xero Users Updated MCP

26 minutes ago

Mar 6, 2026, 2:46 PM

R

Ryan Hayes

ryan.hayes@northwind.io

Xero Contacts Created MCP

32 minutes ago

Mar 6, 2026, 2:40 PM

A

Ashley Parker

ashley.parker@northwind.io

Xero Contacts List Toolbox

Launching soon

From answering questions to doing the work

A person no longer has to ask. A trigger starts the work, inside the same permissions and the same audit log as everything else. Automations and live dashboards are launching soon, on the Black plan.

Automations

A schedule fires, the digest ships.

Fetch Xero invoices, group them, draft a digest, approve, post it back.

Xero digest

Run 418 · started 2 minutes ago · on behalf of Emily Carter

  1. ✓

    Schedule

    Every weekday at 8:00 AM

    0.2s
  2. ✓

    Fetch contacts

    Xero

    1.4s
  3. ✓

    Group by owner

    Transform

    0.1s
  4. ✓

    Draft the digest

    Agent step

    Ran with 4 tools, returned a structured summary

    6.2s
  5. Approve the digest

    Needs approval

    Assigned to Michael Brennan

    Approve
  6. Post the digest

    Xero

    Queued

Collections and dashboards

Xero numbers arrive before anyone asks.

Four metrics, 14 days of invoices created, split by team, refreshed on schedule.

Xero health

Refreshed 4 minutes ago · every 15 minutes · from the contacts collection

Live

Contacts

1,284 ↓ 12%

Invoices

96 ↓ 8%

Needs attention

3 ↑ 2

Updated this week

412 ↑ 9%

Contacts created

Last 14 days

By team

Share of activity

Finance UK 34%

Group reporting 27%

Accounts payable 21%

Payroll 18%

FAQ

Frequently asked questions

How do I connect Xero to Claude?

Connect Xero in Elaichi first, then in Claude go to Customize, then Connectors, then Add, and paste https://api.elaichi.ai/mcp as the endpoint. Xero asks you to sign in with your own Xero login and pick the organization to allow, but before that somebody on your team registers an OAuth application inside Xero once and brings its client ID and secret into Elaichi. That is a one-time step for the company; everyone after that just signs in to Xero as themselves.

Does Xero work with ChatGPT and Cursor as well as Claude?

Yes. Once Xero is connected in Elaichi, the same endpoint, https://api.elaichi.ai/mcp, works in Claude, ChatGPT, Cursor, any other MCP client and the Elaichi Agent. You connect Xero once and every client gets it.

What can an AI agent actually do with my Xero data?

With Xero connected, an agent can look up and create contacts, record and update payments, list bank transactions and their attachments, and manage the tracking categories you use for departments or projects. It can also show the change history on a contact, payment or bank transaction. Xero has a lot of actions available, so short concrete asks like "payments from Acme in March" work better than long paragraphs.

Does connecting Xero give the AI access to my whole organization?

No. Access to Xero follows the person who signed in, so an agent sees only the Xero organization and records that person could already open themselves. Elaichi can narrow that further, for example to reading only, but it can never grant more than the person's own Xero permissions allow.

Can my team share one Xero connection?

Yes. One person connects Xero in Elaichi and shares the connection with a team, and nobody else ever handles the client ID, secret or a Xero login. Each teammate still signs in to Elaichi as themselves, so the audit log records who recorded a payment or changed a contact in Xero.

Can I stop an agent from deleting or changing things in Xero?

Yes. Restrictions in Elaichi apply per action, so you can allow reading Xero contacts and payments while blocking deletion, bulk changes or creating payments. A blocked action is never shown to Claude, ChatGPT or any other client, so no prompt, however worded, can reach it.

What happens to a Xero connection when someone leaves?

When you offboard a person in Elaichi, their access to Xero through every AI client ends at once. If they had shared a Xero connection with a team, it keeps working for everyone else. If you ever want to remove Xero entirely, disconnecting it once in Elaichi removes it from Claude, ChatGPT, Cursor and every other client at the same time.

Does the Xero MCP connector work with Gemini, Codex, Claude Code or other MCP clients?

Yes. Xero is reached over the same MCP endpoint every client uses, so anything that speaks MCP can call it — Gemini, Codex, Claude Code, Windsurf, Cline, Zed and OpenCode among them — alongside Claude, ChatGPT, Cursor, and the Elaichi Agent. The tools on offer and the access behind them are identical whichever client asks. Only the setup screen differs.

Is Elaichi an alternative to Zapier MCP for Xero?

Yes. Both let Claude, ChatGPT or Cursor use Xero. Zapier MCP fits a team that already automates in Zapier, since each person signs in and acts as themselves in that account. Elaichi fits when IT wants one address for the whole company, per-tool rules by role, and a record of every Xero call.

How is Elaichi different from Composio for Xero?

Composio gives AI agents tools and sign-in handling across 1,000+ apps, for developers building agents or people using an assistant, billed per tool call. Elaichi gives a company's own people governed access to Xero: one address, restrictions per role or user, and $15 per user per month. Both have role permissions and a log of every call.

Put Xero in front of your team

14 days on Gold, no credit card. Connect it once and pick what each team can call.

Works with
Claude ChatGPT Cursor and any other MCP client, or the Elaichi Agent.
When the trial ends
Nothing is deleted. Connections, roles and the audit log stay where they are, so subscribing picks up exactly where you left off.