Use Xero’s GenAI functions to auto‑create invoices, reconcile banks, forecast cash flow, generate quotes/payments, surface insights & automate follow‑ups from your cellphone, email or chat
Product Category
Accounting and Finance
Product Subcategory
AI Functions
JAX conversational assistant surfaces cash flow insights, revenue and profit trends, and can help draft invoices or quotes
Machine learning predictions suggest contacts and account codes on unmatched bank transactions to speed reconciliation
Hubdoc OCR extracts data from bills and receipts and creates transactions for review in Xero
Product Core Functions
Xero centralizes day-to-day accounting so small businesses can invoice, pay bills, reconcile bank activity, manage expenses and projects, and get paid online. Secure bank feeds stream transactions into Xero for quick reconciliation using rules, suggested matches, and cash-coding for bulk actions. Invoicing supports online payment services, partial payments, reminders, and repeating bills or invoices.
Bills and Expenses keep vendor documents, approvals, and reimbursement in one place, while Hubdoc captures and auto-extracts details from receipts and supplier bills. Projects tracks time and costs against jobs, issues quotes, and invoices progress or milestones. Analytics provides a Business Snapshot and short-term cash flow views that highlight trends and upcoming gaps.
Documents, contacts, and files live under each customer or supplier for clean audit trails. The mobile app lets teams create invoices, capture receipts, and reconcile on the go. Xero’s ecosystem connects payments, payroll, commerce, reporting, and more so data moves without spreadsheets. For US payroll, Xero integrates directly with Gusto for a connected pay run and ledger view. Security controls, certifications, and user permissions protect sensitive financial data.
Key Features
Bank feeds with automated reconciliation, rules, and cash-coding
Online invoicing with card or ACH options and automated reminders
Pay bills, approve expenses, and digitize documents with Hubdoc
Projects for job tracking, quotes, time and cost capture, and billing
Business Snapshot and short-term cash flow analytics
App marketplace for payments, payroll, commerce, and reporting
User roles, audit history, and security certifications
Ease Of Use
Setup: An owner or accountant connects bank feeds, imports the chart of accounts and contacts, turns on payments and Hubdoc, and sends a first invoice. Same-day fundamentals are realistic.
Daily workflow: Bookkeepers reconcile transactions, code exceptions, pay bills, and schedule invoice reminders. Owners watch cash flow and Business Snapshot and approve payments from desktop or mobile.
Team onboarding: Clerks, managers, and advisors learn role-based dashboards quickly using templates and saved bank rules. A short walkthrough gets each role comfortable.
Tool integration: Link payment processors, Gusto for payroll, ecommerce channels, and reporting apps from the marketplace. Validate one bank feed, one invoice payment, and one bill approval and you are operational in a couple of hours.
Admin demand: Light to moderate for the account owner. Maintain users and roles, review bank rules, monitor feed health, and schedule monthly reports and reconciliations.
Use Cases
Service-based SMBs needing fast invoicing, online payments, and simple projects
Retail and ecommerce teams syncing orders and payouts into accounting
Distributed startups working with external bookkeepers or fractional CFOs
Firms that capture receipts on mobile and want bill automation
Accountants and advisors standardizing client bookkeeping in one stack