# How to integrate Xero MCP with Atomic Agent

```json
{
  "title": "How to integrate Xero MCP with Atomic Agent",
  "toolkit": "Xero",
  "toolkit_slug": "xero",
  "framework": "Atomic Agent",
  "framework_slug": "atomic-agent",
  "url": "https://composio.dev/toolkits/xero/framework/atomic-agent",
  "markdown_url": "https://composio.dev/toolkits/xero/framework/atomic-agent.md",
  "updated_at": "2026-08-11T13:16:21.930Z"
}
```

## Introduction

Atomic Agent is an open-source AI agent that runs on your machine and supports local models through llama.cpp. Connect it to 1,500+ apps through Composio, including Xero.
This guide uses Atomic Agent's built-in Composio integration. You need Atomic Agent v0.5.6 or later, your own Composio API key, and a Xero account. See the [Atomic Agent documentation](https://atomicagent.io/docs/?cta_placement=atomic-agent-docs) for installation instructions.

## Also integrate Xero with

- [ChatGPT](https://composio.dev/toolkits/xero/framework/chatgpt)
- [Antigravity](https://composio.dev/toolkits/xero/framework/antigravity)
- [OpenAI Agents SDK](https://composio.dev/toolkits/xero/framework/open-ai-agents-sdk)
- [Claude Agent SDK](https://composio.dev/toolkits/xero/framework/claude-agents-sdk)
- [Claude Code](https://composio.dev/toolkits/xero/framework/claude-code)
- [Claude Cowork](https://composio.dev/toolkits/xero/framework/claude-cowork)
- [Codex](https://composio.dev/toolkits/xero/framework/codex)
- [Kimi Code](https://composio.dev/toolkits/xero/framework/kimi)
- [Grok Build](https://composio.dev/toolkits/xero/framework/grok-build)
- [Cursor](https://composio.dev/toolkits/xero/framework/cursor)
- [VS Code](https://composio.dev/toolkits/xero/framework/vscode)
- [OpenCode](https://composio.dev/toolkits/xero/framework/opencode)
- [OpenClaw](https://composio.dev/toolkits/xero/framework/openclaw)
- [Hermes](https://composio.dev/toolkits/xero/framework/hermes-agent)
- [CLI](https://composio.dev/toolkits/xero/framework/cli)
- [Google ADK](https://composio.dev/toolkits/xero/framework/google-adk)
- [LangChain](https://composio.dev/toolkits/xero/framework/langchain)
- [Vercel AI SDK](https://composio.dev/toolkits/xero/framework/ai-sdk)
- [Mastra AI](https://composio.dev/toolkits/xero/framework/mastra-ai)
- [LlamaIndex](https://composio.dev/toolkits/xero/framework/llama-index)
- [CrewAI](https://composio.dev/toolkits/xero/framework/crew-ai)
- [Pydantic AI](https://composio.dev/toolkits/xero/framework/pydantic-ai)
- [AutoGen](https://composio.dev/toolkits/xero/framework/autogen)

## TL;DR

### How Atomic Agent connects to Xero
Atomic Agent connects to Composio's Tool Router over Streamable HTTP MCP. It discovers the tools needed for your request, and Composio handles account authentication.
Execution and account-connection tools follow Atomic Agent's configured approval policy. Review any approval prompt before allowing an action on your connected account.

## Connect Xero to Atomic Agent

### Connect Xero to Atomic Agent
- Sign up or sign in to the [Composio dashboard](https://dashboard.composio.dev/?cta_placement=atomic-agent-api-key). Copy your API key.
- In Atomic Agent, open the Integrations tab and select Composio. Select API key, press e, paste the key, and press Enter. The tools become available immediately, without a restart.
- Ask Atomic Agent to do something in Xero. It searches Composio for the right tool.
- On first use, open the sign-in link returned in the chat. Connect your Xero account, then return to Atomic Agent to continue.
### Headless setup
Add the following line to ~/.atomic-agent/.env, replacing YOUR_COMPOSIO_API_KEY with your key. Start Atomic Agent after saving the file.

```bash
COMPOSIO_API_KEY=YOUR_COMPOSIO_API_KEY
```

## What is the Xero MCP server, and what's possible with it?

The Xero MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your Xero account. It provides structured and secure access to your accounting data, so your agent can retrieve contacts, manage connections, update invoices, and monitor quotes automatically on your behalf.
- Connection management: Instantly list all active Xero tenant connections linked to your account, making it easy for your agent to select and operate on the right organization.
- Contact retrieval and lookup: Fetch detailed, up-to-date lists of business contacts including filtering, paging, and incremental updates to keep your records synchronized and actionable.
- Quote management and tracking: Retrieve, filter, or search through your sales quotes so your agent can help you stay on top of prospective business and follow up faster.
- Invoice updating and automation: Modify details of existing invoices—such as amounts, due dates, and line items—allowing your agent to keep your invoicing accurate and up to date without manual edits.

## Supported Tools

| Tool slug | Name | Description |
|---|---|---|
| `XERO_CREATE_BANK_TRANSACTION` | Create Bank Transaction | Create a bank transaction in Xero. Use SPEND for payments out or RECEIVE for money received. |
| `XERO_CREATE_CONTACT` | Create Contact | Create a new contact in Xero. Contacts can be customers, suppliers, or both. |
| `XERO_CREATE_INVOICE` | Create Invoice | Create a new invoice in Xero. Supports both sales invoices (ACCREC) and bills (ACCPAY). |
| `XERO_CREATE_ITEM` | Create Item | Create an inventory item in Xero. Items can be tracked for sales and/or purchases. |
| `XERO_CREATE_MANUAL_JOURNAL` | Create Manual Journal | Create one or more manual journals (journal entries) in Xero with journal lines. Manual journals must balance (debits equal credits). |
| `XERO_CREATE_PAYMENT` | Create Payment | Create a payment in Xero to link an invoice with a bank account transaction. |
| `XERO_CREATE_PURCHASE_ORDER` | Create Purchase Order | Create a purchase order in Xero to order goods/services from suppliers. |
| `XERO_GET_ACCOUNT` | Get Account | Retrieve a specific account from Xero's chart of accounts by its unique ID. Returns detailed account information including code, name, type (BANK, REVENUE, EXPENSE, etc.), status (ACTIVE/ARCHIVED), tax settings, bank details (for BANK accounts), and classification. Use XERO_LIST_ACCOUNTS to get account IDs if you don't already have one. |
| `XERO_GET_ASSET` | Get Asset | Retrieve a specific asset by ID from Xero. Returns depreciation details and book value. |
| `XERO_GET_BALANCE_SHEET_REPORT` | Get Balance Sheet Report | Retrieve Balance Sheet report from Xero. Shows assets, liabilities, and equity at a specific date. Liability and credit balances appear as negative numbers in the response. Response structure is Reports → Rows → Sections; account lines are nested inside group sections and summary totals (e.g., 'Total Current Assets') appear in SummaryRows. |
| `XERO_GET_BUDGET` | Get Budget | Retrieve a budget from Xero. Budgets track planned vs actual spending by account. |
| `XERO_GET_CONNECTIONS` | Get Connections | Tool to list active Xero connections. Use to retrieve all current tenant connections for the authenticated user and resolve the correct tenant_id before making data requests. When multiple tenants are returned, never assume the first connection is correct — always explicitly pass the intended tenant_id to every subsequent call. Using a wrong or stale tenant_id can silently return or modify data for a different organisation. |
| `XERO_GET_CONTACTS` | Get Contacts | Tool to retrieve a list of contacts. Use when you need up-to-date contact information with filtering, paging, or incremental updates. |
| `XERO_GET_INVOICE` | Get Invoice | Retrieve a specific invoice by ID from Xero. Returns full invoice details including line items and status. |
| `XERO_GET_ITEM` | Get Item | Retrieve a specific item by ID from Xero. Returns item code, name, pricing, and tax details. |
| `XERO_GET_MANUAL_JOURNAL` | Get Manual Journal | Retrieve a specific manual journal by ID from Xero. Returns full details including journal lines. |
| `XERO_GET_ORGANISATION` | Get Organisation | Retrieve organisation details from Xero. Returns company info, base currency, timezone, financial year settings, SalesTaxBasis, SalesTaxPeriod, etc. Response fields are nested under data.data.Organisations[0]. Use Timezone when computing date ranges to avoid boundary errors. |
| `XERO_GET_PROFIT_LOSS_REPORT` | Get Profit & Loss Report | Retrieve Profit & Loss report from Xero. Shows income, expenses, and net profit for a specified period. Response rows are labeled (e.g., 'Net Profit', SummaryRow); parse by row label, not array index. Aggregates multiple tax codes — not suitable for tax compliance reporting. |
| `XERO_GET_PROJECT` | Get Project | Retrieve a specific project by ID from Xero. Returns project details, deadlines, and status. |
| `XERO_GET_PURCHASE_ORDER` | Get Purchase Order | Retrieve a specific purchase order by ID from Xero. Returns full details including line items and status. |
| `XERO_GET_QUOTES` | Get Quotes | Tool to retrieve a list of quotes. Use when you need to list, filter, or page through sales quotes. Use after obtaining the tenant ID via connections. |
| `XERO_GET_TRIAL_BALANCE_REPORT` | Get Trial Balance Report | Retrieve Trial Balance report from Xero. Shows all account balances (debits and credits) at a specific date. Use to verify that total debits equal total credits and to prepare financial statements. Credit balances appear as negative numbers in the response. |
| `XERO_LIST_ACCOUNTS` | List Accounts | Retrieve chart of accounts from Xero. Returns all accounting codes used for categorizing transactions. Use AccountID (not name or code) as the unique identifier for accounts. Results may be paginated; increment the page parameter until empty results are returned to avoid missing accounts in large organisations. |
| `XERO_LIST_ASSETS` | List Assets | Retrieve fixed assets from Xero. Assets track depreciation and book value of capital equipment. |
| `XERO_LIST_ATTACHMENTS` | List Attachments | List all attachments for a specific entity in Xero (invoice, contact, etc.). |
| `XERO_LIST_BANK_TRANSACTIONS` | List Bank Transactions | Retrieve bank transactions from Xero. Includes SPEND, RECEIVE, and transfer types; unfiltered results include DELETED transactions that skew totals. Dates returned in /Date(milliseconds_since_epoch)/ format. Rate limit: ~60 requests/minute per org; heavy pagination may trigger 429 errors. |
| `XERO_LIST_CREDIT_NOTES` | List Credit Notes | Retrieve list of credit notes from Xero. Credit notes are issued to reduce amounts owed by customers. |
| `XERO_LIST_FILES` | List Files | Retrieve files from Xero Files. Lists documents stored in Xero's file management system. |
| `XERO_LIST_FOLDERS` | List Folders | Retrieve folders from Xero Files. Lists document folders in Xero's file management system. |
| `XERO_LIST_INVOICES` | List Invoices | Retrieve a list of invoices from Xero. Results include both sales invoices (Type=ACCREC) and bills (Type=ACCPAY) by default; filter by Type in the `where` clause when only one is needed. Supports filtering by status, contact, date range, and pagination. |
| `XERO_LIST_ITEMS` | List Items | Retrieve items (inventory/products) from Xero. Items can be tracked for sales and/or purchases. |
| `XERO_LIST_JOURNALS` | List Journals | Retrieve journals from Xero. Journals show the accounting entries for all transactions. Omitting filters returns the full historical journal ledger and can produce very large responses — use If-Modified-Since and/or paymentsOnly to narrow scope. No date range filter parameter exists. Results are returned inside a Journals array field. |
| `XERO_LIST_MANUAL_JOURNALS` | List Manual Journals | Retrieve manual journals from Xero. Manual journals are used for period-end adjustments and corrections. |
| `XERO_LIST_PAYMENTS` | List Payments | Retrieve list of payments from Xero. Payments link invoices to bank transactions; invoices may have multiple partial/split payment records. Response Date fields use Xero's /Date(milliseconds)/ format requiring custom parsing. |
| `XERO_LIST_PROJECTS` | List Projects | Retrieve projects from Xero. Projects track time and costs for client work. |
| `XERO_LIST_PURCHASE_ORDERS` | List Purchase Orders | Retrieve list of purchase orders from Xero. Purchase orders track goods/services ordered from suppliers. |
| `XERO_LIST_TAX_RATES` | List Tax Rates | Retrieve tax rates from Xero. Shows available tax codes and rates for the organization. Use returned tax codes as valid `TaxType` values in other tools — invalid values cause ValidationException errors. |
| `XERO_LIST_TRACKING_CATEGORIES` | List Tracking Categories | Retrieve tracking categories from Xero. Tracking categories are used to segment data for reporting (e.g., departments, regions). |
| `XERO_POST_INVOICE_UPDATE` | Update Invoice | Tool to update an existing invoice. Use when you need to modify the details of an invoice after it's been created. |
| `XERO_UPDATE_CONTACT` | Update Contact | Update an existing contact in Xero. Only provided fields will be updated. |
| `XERO_UPLOAD_ATTACHMENT` | Upload Attachment | Upload a file attachment to a Xero entity (invoice, contact, etc.). Supports PDF, images, and documents. |

## Supported Triggers

None listed.

## Troubleshooting

### Why is my API key rejected?

Copy the key directly from the Composio dashboard. Atomic Agent requires ASCII characters because it sends the key in an HTTP header. Remove any extra characters introduced when copying.

### Why are Composio tools unavailable after saving a key?

Check that you use Atomic Agent v0.5.6 or later and that Composio is enabled in your configuration. A "composio": { "enabled": false } setting disables the integration while keeping the saved key on disk.

### Does Composio have a free plan?

The Hobby plan includes 100,000 tool calls per month. Composio-managed OAuth apps have a lower included allowance. See [Composio pricing](/pricing) for the current limits that apply to your connection.

## Complete Code

None listed.

## Conclusion

### Use Xero from Atomic Agent
With your account connected, ask Atomic Agent to work with Xero in natural language. You can connect more apps through the same Composio integration as you need them.
Visit the [Atomic Agent website](https://atomicagent.io/?cta_placement=atomic-agent-site) or inspect the [Atomic Agent source code](https://github.com/AtomicBot-ai/atomic-agent?cta_placement=atomic-agent-repo).

## How to build Xero MCP Agent with another framework

- [ChatGPT](https://composio.dev/toolkits/xero/framework/chatgpt)
- [Antigravity](https://composio.dev/toolkits/xero/framework/antigravity)
- [OpenAI Agents SDK](https://composio.dev/toolkits/xero/framework/open-ai-agents-sdk)
- [Claude Agent SDK](https://composio.dev/toolkits/xero/framework/claude-agents-sdk)
- [Claude Code](https://composio.dev/toolkits/xero/framework/claude-code)
- [Claude Cowork](https://composio.dev/toolkits/xero/framework/claude-cowork)
- [Codex](https://composio.dev/toolkits/xero/framework/codex)
- [Kimi Code](https://composio.dev/toolkits/xero/framework/kimi)
- [Grok Build](https://composio.dev/toolkits/xero/framework/grok-build)
- [Cursor](https://composio.dev/toolkits/xero/framework/cursor)
- [VS Code](https://composio.dev/toolkits/xero/framework/vscode)
- [OpenCode](https://composio.dev/toolkits/xero/framework/opencode)
- [OpenClaw](https://composio.dev/toolkits/xero/framework/openclaw)
- [Hermes](https://composio.dev/toolkits/xero/framework/hermes-agent)
- [CLI](https://composio.dev/toolkits/xero/framework/cli)
- [Google ADK](https://composio.dev/toolkits/xero/framework/google-adk)
- [LangChain](https://composio.dev/toolkits/xero/framework/langchain)
- [Vercel AI SDK](https://composio.dev/toolkits/xero/framework/ai-sdk)
- [Mastra AI](https://composio.dev/toolkits/xero/framework/mastra-ai)
- [LlamaIndex](https://composio.dev/toolkits/xero/framework/llama-index)
- [CrewAI](https://composio.dev/toolkits/xero/framework/crew-ai)
- [Pydantic AI](https://composio.dev/toolkits/xero/framework/pydantic-ai)
- [AutoGen](https://composio.dev/toolkits/xero/framework/autogen)

## Related Toolkits

- [Stripe](https://composio.dev/toolkits/stripe) - Stripe is a global online payments platform offering APIs for managing payments, customers, and subscriptions. Trusted by businesses for secure, efficient, and scalable payment processing worldwide.
- [44API](https://composio.dev/toolkits/44api) - 44API is an API service for validating VAT and tax identifiers and returning company details. Use it to verify business tax data and manage account IP whitelists quickly.
- [Airwallex](https://composio.dev/toolkits/airwallex) - Airwallex is a global financial platform providing business accounts, payments, payouts, FX, and cards. Built to simplify cross-border payments and streamline financial operations for businesses.
- [Aiwyn Tax MCP](https://composio.dev/toolkits/aiwyn_tax_mcp) - Aiwyn Tax MCP is a tax estimation service powered by Aiwyn's federal and state tax engine. It helps teams estimate tax outcomes without building tax calculation logic from scratch.
- [Alpaca](https://composio.dev/toolkits/alpaca) - Alpaca is a stock and crypto trading platform for commission-free trading, real-time market data, and algorithmic strategies. Use it to build brokerage apps, trading bots, and portfolio workflows with market connectivity.
- [Alpha vantage](https://composio.dev/toolkits/alpha_vantage) - Alpha Vantage is a financial data platform offering real-time and historical stock market APIs. Get instant, reliable access to equities, forex, and technical analysis data for smarter trading decisions.
- [Altoviz](https://composio.dev/toolkits/altoviz) - Altoviz is a cloud-based billing and invoicing platform for businesses. It streamlines online payments, expense tracking, and customizable invoice management.
- [Benzinga](https://composio.dev/toolkits/benzinga) - Benzinga provides real-time financial news and data APIs for market coverage. It helps you track breaking news and actionable market insights instantly.
- [Bigdata.com MCP](https://composio.dev/toolkits/bigdata_com_mcp) - Bigdata.com MCP provides grounded access to financial news, transcripts, filings, and entity intelligence. Ideal for building research workflows and generating timely market insights.
- [Billsby](https://composio.dev/toolkits/billsby) - Billsby is a subscription billing platform for managing customers, subscriptions, invoices, products, plans, usage counters, add-ons, and allowances. It helps SaaS and subscription teams automate billing operations without building complex billing logic from scratch.
- [Brex](https://composio.dev/toolkits/brex) - Brex provides corporate credit cards and spend management tailored for startups and tech businesses. It helps optimize company cash flow, streamline accounting, and accelerate business growth.
- [Cashfree Payments MCP](https://composio.dev/toolkits/cashfree_payments_mcp) - Cashfree Payments MCP is a merchant payments platform that handles collection, payouts, subscriptions, settlements, refunds, and identity verification. Simplifies merchant money lifecycle management with unified, API-driven workflows.
- [Chaser](https://composio.dev/toolkits/chaser) - Chaser is accounts receivable automation software that sends invoice reminders and helps businesses get paid faster. It streamlines the collections process to save time and improve cash flow.
- [Clarity AI MCP](https://composio.dev/toolkits/clarity_ai_mcp) - Clarity AI MCP is an MCP toolkit for simulating SFDR 2.0 fund classifications from a fund name, ISIN, or CUSIP. Use it to tap Clarity AI disclosure data and modeling without building custom sustainability-data workflows.
- [Clientary](https://composio.dev/toolkits/clientary) - Clientary is a platform for managing clients, invoices, projects, proposals, and more. It streamlines client work and saves you serious admin time.
- [Coinbase](https://composio.dev/toolkits/coinbase) - Coinbase is a platform for buying, selling, and storing cryptocurrency. It makes exchanging and managing crypto simple and secure for everyone.
- [Coinbase Wallet MCP](https://composio.dev/toolkits/coinbase_wallet_mcp) - Coinbase Wallet MCP is Coinbase's wallet service for interacting with onchain accounts. Use it to give agents secure, structured access to inspect wallets and request onchain actions.
- [Coinranking](https://composio.dev/toolkits/coinranking) - Coinranking is a comprehensive cryptocurrency market data platform offering access to real-time coin prices, market caps, and historical data. Get accurate, up-to-date stats for thousands of digital assets in one place.
- [Coupa](https://composio.dev/toolkits/coupa) - Coupa is a business spend management platform for procurement, invoicing, and expenses. It helps organizations streamline purchasing, control costs, and gain complete visibility over financial operations.
- [CurrencyScoop](https://composio.dev/toolkits/currencyscoop) - CurrencyScoop is a developer-friendly API for real-time and historical currency exchange rates. Easily access fiat and crypto data for smart, up-to-date financial applications.

## Frequently Asked Questions

### What are the differences in Tool Router MCP and Xero MCP?

With a standalone Xero MCP server, the agents and LLMs can only access a fixed set of Xero tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from Xero and many other apps based on the task at hand, all through a single MCP endpoint.

### Can I use Tool Router MCP with Atomic Agent?

Yes, you can. Atomic Agent fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right Xero tools.

### Can I manage the permissions and scopes for Xero while using Tool Router?

Yes, absolutely. You can configure which Xero scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do.

### How safe is my data with Composio Tool Router?

All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your Xero data and credentials are handled as safely as possible.

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