Xero MCP Server

The Xero MCP Server bridges the gap between conversational AI assistants and real‑world accounting data by exposing Xero’s RESTful API through the Model Context Protocol. For developers building intelligent finance tools, this server eliminates the need to write custom OAuth flows or API wrappers. Once a client authorizes access, the server provides a rich set of tools—ranging from creating bank transactions to pulling full financial reports—that can be invoked directly from an AI assistant. This integration allows assistants to perform true CRUD operations on a live Xero account, turning generic chat into actionable financial workflows.

At its core, the server solves a common pain point: seamless authentication and data access. Traditional integrations require developers to manage OAuth 2.0 tokens, refresh logic, and endpoint security. The MCP server abstracts these details away: the tool handles token acquisition, and subsequent tools automatically attach the necessary headers. This means developers can focus on business logic rather than boilerplate authentication code, accelerating prototype turnaround and reducing potential security misconfigurations.

Key capabilities include:

• Transaction management (, ) for automated bookkeeping and reconciliation.
• Contact lifecycle (, ) to keep customer and vendor data up‑to‑date.
• Financial reporting (, , ) that enables AI assistants to generate real‑time financial insights.
• Organizational insight () to retrieve metadata about the Xero tenancy.

These tools are designed for plain‑language invocation. An assistant can respond to queries like “Show me the balance sheet for last quarter” or “Add this transaction to account 201”, and the server translates those intents into precise API calls, returning structured JSON that can be visualized or further processed.

Real‑world use cases span from automated expense tracking—where an AI assistant pulls bank statements and categorizes spendings—to invoice generation pipelines that create sales invoices on demand. Financial analysts can ask for trend visualizations (“Visualize my financial position over the last month”) and receive charts generated from live data. Small businesses benefit by reducing manual entry, while larger enterprises can integrate the server into existing AI‑driven decision support systems.

What sets Xero MCP apart is its tight coupling with Claude Desktop and the minimal setup required for developers familiar with MCP. The server’s single‑point configuration in keeps secrets secure, and the OAuth flow is triggered automatically on first use. Because the data passes through the LLM during operation, developers are encouraged to test against Xero’s demo company, ensuring privacy compliance. This thoughtful design makes the Xero MCP Server a compelling choice for developers looking to empower AI assistants with real accounting capabilities without reinventing the wheel.