Accounting integration

Xero accounts receivable automation and collections

Finero is accounts receivable automation for Xero: an AI agent that chases every invoice and collects payment for you, so you get paid faster. Connects in minutes.

Xero stays your books of record. Finero takes over the part Xero's reminders cannot do: deciding which customer to contact and how, collecting the payment, and writing it back so reconciliation stays clean.

What the Xero integration does, end to end.

1. Sync
Xero sends open AR, customer master and terms into Finero on a continuous basis.
2. Chase
Fin chases every invoice by email, adding SMS and chat on Scale, and respects your customers' credit terms.
3. Collect
Buyers pay card or ACH on hosted Finero pages, routed through your existing payment provider.
4. Reconcile
Cash is matched to invoices at the line level and posted back to Xero with audit trail.

What Xero does for accounts receivable on its own

Xero covers the start of the cycle well, and it is included in your subscription:

Invoices from templates or approved quotes, and repeating invoices for regular customers.
A Pay now button on online invoices, taking cards, ACH, direct debit, Apple Pay and Google Pay through providers such as Stripe, PayPal and GoCardless.
Up to five invoice reminder emails, each sent a set number of days before or after the due date, for invoices marked as sent.
A dashboard of outstanding invoices and a 30-day cash flow projection.

Source: Xero: accounts receivable software · Xero Central: set up invoice reminders

Where Xero's accounts receivable tools stop

The gaps start once a customer does something other than pay on time:

Reminders are emails on one schedule for every customer, and nothing is sent after the fifth.
Replies land in an inbox, so disputes, promises to pay and requests for an invoice copy wait for a person.
A customer who paid half gets the same reminder as one who paid nothing.
An invoice that goes quiet after the last reminder gets no further follow-up unless someone picks it up.

What Finero adds to Xero

Finero reads sales invoices and contacts from Xero, chases against the live ledger and writes settled payments back, so Xero stays the books of record. No exports, no parallel ledger and no re-keying.

	Xero on its own	Xero with Finero
Who chases	Scheduled reminder emails	Fin, on every open invoice, adapted to each customer
Customer replies	Land in an inbox for a person	Read and answered by Fin; exceptions go to your team
Disputes and promises to pay	Handled by hand	Logged and followed up by Fin
Taking payment	Pay now button through Xero's payment services	Card and ACH page in every message, through the provider you already use
Payment in Xero	Recorded for Xero's payment services	Written back to the invoice it settles, from your provider
Channels	Email	Email on Core; SMS and chat on Scale
Cost	Included in Xero	Core from $399 a month, 30-day free trial

Set up Finero on Xero in minutes

There is nothing to build. Connecting takes minutes, and Fin starts chasing the same day.

Step 1
Connect Xero
An admin approves the connection in Xero, and your open invoices and contacts sync into Finero.
Step 2
Connect your payment provider
Link the provider you already use, such as Stripe or PayPal, in a few guided steps.
Step 3
Check your chase rules
Start from the defaults, choose which Xero fields Finero reads and writes back, and adjust tone and timing.
Step 4
Go live
Fin starts chasing the same day. Every payment it collects is written back to Xero.

PayPal, Stripe and other payment providers with Xero

Finero is processor-agnostic, so customers can pay Xero invoices through the provider you already use, such as PayPal, Stripe or Braintree, on your existing merchant agreement. The payment is written back to the Xero invoice it settles, so it matches against the bank line instead of waiting to be reconciled by hand.

Related: PayPal · Stripe · Braintree

What it costs on Xero

Finero Core is built for Xero and QuickBooks teams: $399 a month, billed monthly, covering one ERP and one payment provider and including 200 successfully paid invoices a month, with a 30-day free trial. Core connects in minutes and goes live the same day.

Related: Pricing

Run AR on Xero? Let's show you Finero on it.

Book a 30-minute demo with a Finero expert. See how Finero chases, collects, and reconciles invoices end-to-end.

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Common questions about the Xero integration

Does Finero write back to Xero?

Yes. Cash receipts, credit memos and reconciliation entries are posted back to Xero via its native API. Every action is auditable.

How long does the Xero connector take to deploy?

Minutes. Finero Core connects to Xero in minutes and goes live the same day.

Does Xero have accounts receivable automation?

Partly. Xero automates invoicing, repeating invoices, online payment through a Pay now button and up to five reminder emails. The collections work after that, such as answering replies, handling disputes and following up promises to pay, needs a person or an AR automation app such as Finero.

Can Xero automate payment reminders?

Yes, up to five reminder emails, each sent a set number of days before or after the due date, for invoices marked as sent. They follow one schedule for every customer and stop after the fifth, so replies and partial payments still need a person or a collections tool.

What apps automate accounts receivable in Xero?

Several do, and they differ in who does the work. Finero chases each invoice itself, takes card and ACH payment through your processor and writes payments back to Xero. Chaser syncs natively with Xero for reminder-led chasing your team configures. Upflow offers a Xero integration for a team-run collections workflow. Monk lists a Xero connector for its AI agent.

Can customers pay Xero invoices through PayPal or Stripe?

Yes. Xero's own Pay now button works with providers such as Stripe and PayPal. With Finero, customers pay on a hosted page through whichever provider you already use, and the payment is written back to the Xero invoice it settles.

How much does Finero cost for Xero?

Finero Core is $399 a month, billed monthly, for one ERP such as Xero and one payment provider, including 200 successfully paid invoices a month. It starts with a 30-day free trial, connects in minutes and goes live the same day.