# Xero

**Canonical:** https://apis.io/providers/xero/  
**Website:** https://developer.xero.com/  
**APIs profiled:** 10

Xero is a cloud-based accounting software platform that helps small and medium-sized businesses manage their finances. Xero provides a comprehensive developer platform with OAuth 2.0 APIs for accounting, payroll, assets, projects, files, bank feeds, and identity management. The Xero API enables third-party integrations to build custom accounting apps, automations, and business tools. Xero supports SDKs for .NET, Java, Node.js, PHP, Ruby, Python, and provides an MCP server for AI-assisted accounting workflows.

## Kin Score — 55.2 / 100 (strong)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 55.2).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 67.1 |
| Governance | 13.6 |
| Contract Governance | 13.6 |
| Operational Transparency | 47.4 |
| Developer Ergonomics | 57.1 |
| Commercial Clarity | 47.4 |
| Access Clarity | 47.4 |

Regulatory layer — **Banking & Open Finance**: 46.8 (matched via tags).

## Agent readiness — 47.3 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high).

## APIs (10)

- **Xero Accounting API** — The Accounting API from Xero — 140 operation(s) for accounting.
- **Xero Asset API** — The Asset API from Xero — 4 operation(s) for asset.
- **Xero BankFeeds API** — The BankFeeds API from Xero — 5 operation(s) for bankfeeds.
- **Xero Files API** — Operations available to regular developers
- **Xero Finance API** — The Finance API from Xero — 8 operation(s) for finance.
- **Xero Identity API** — The Identity API from Xero — 2 operation(s) for identity.
- **Xero PayrollAu API** — Operations available to regular developers
- **Xero PayrollNz API** — The PayrollNz API from Xero — 46 operation(s) for payrollnz.
- **Xero PayrollUk API** — The PayrollUk API from Xero — 47 operation(s) for payrolluk.
- **Xero Project API** — The Project API from Xero — 7 operation(s) for project.

## MCP servers (1)

- **Xero MCP Server**

## Agentic access (1)

- **Xero Agentic Access** — 466 operations · 214 acting

## Security (2)

- **Xero Authentication** — http/oauth2 · 2 schemes
- **Xero Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Xero Plans Pricing**

## Tags

Accounting, Bank Feeds, Finance, Financial-Services, Invoicing, Payroll, Small Business

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/xero/). Scores are computed from the provider's own public artifacts under a published rubric.