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Accounting integration

AR automation and collections for Xero

Finero automates collections on Xero: it chases invoices beyond Xero's reminders, takes card and ACH through your processor, and writes payments back to Xero.

Xero stays your books of record. Finero takes over the part Xero 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. 1. Sync

    Xero sends open AR, customer master and terms into Finero on a continuous basis.

  2. 2. Chase

    Fin chases per-invoice across email, SMS and chat. Respecting your customers' credit terms.

  3. 3. Collect

    Buyers pay card or ACH on hosted Finero pages, routed through your existing payment provider.

  4. 4. Reconcile

    Cash is matched to invoices at the line level and posted back to Xero with audit trail.

How the Xero sync works

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

Deployment is light: once invoices and contacts sync, Fin starts chasing. Unmatched payments surface as exceptions instead of piling up as unreconciled bank lines.

Related: Cash application automation in depth

What Xero invoice reminders do, and where they stop

Xero lets you set up to five invoice reminders, each sent a set number of days before the due date or after it falls overdue. They are emails on a fixed schedule, the same for every customer.

Reminders cover the customers who simply forgot. They do not read replies, notice a partial payment, follow up on a promise to pay, or change channel when email is ignored. Finero replaces the fixed cadence with judgment: which account to contact, in what tone, and when to escalate, with a card and ACH payment page in every message and the receipt written back to Xero automatically.

Related: What is autonomous AR? · Chaser alternatives compared

Source: Xero Central: set up invoice reminders

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 goes live in 0 to 1 days.

Related: Pricing

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.

Will the integration affect our Xero close?

No. Finero respects your accounting periods. Cash receipts are dated by settlement date and post to the correct period.

How long does the Xero connector take to deploy?

Core goes live in 0-1 days. Custom implementations take 1-2 weeks.

Can we keep our existing payment provider?

Yes. Finero is processor-agnostic: Stripe, Adyen, Worldpay, Authorize.Net and others all work with the Xero connector unchanged.

Do we keep using Xero as the system of record?

Yes. Xero stays the books of record; Finero owns the chase, payment, and reconciliation workflow on top of it.

What AR automation software integrates with Xero?

Several tools 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.

How many invoice reminders can Xero send?

Up to five, each set to go a number of days before the due date or after the invoice falls overdue. They are scheduled emails; handling replies, promises to pay and partial payments still needs a person or a collections tool.

Can customers pay Xero invoices through PayPal or Stripe?

Yes, with Finero. It is processor-agnostic, so customers pay on a hosted page through the provider you already use, including PayPal and Stripe, 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 and goes live in 0 to 1 days.

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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