How to integrate Xero MCP with ChatGPT

How to integrate Xero MCP with ChatGPT ChatGPT is one of the most popular AI tools today, with capabilities ranging from deep research and image generation to writing, coding, and everyday productivity. In this guide, I will explain the easiest and most secure way to connect your Xero account to ChatGPT via Composio Connect, so it can summarize unread updates from this morning, create draft replies to urgent messages, fetch contact details for recent senders, and more without ever putting your account credentials at risk.

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Xero is cloud-based accounting software for small businesses, offering invoicing, bookkeeping, and real-time financial reports. It helps you manage business finances efficiently from anywhere.

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How to integrate Xero MCP with ChatGPT

ChatGPT is one of the most popular AI tools today, with capabilities ranging from deep research and image generation to writing, coding, and everyday productivity.

In this guide, I will explain the easiest and most secure way to connect your Xero account to ChatGPT via Composio Connect, so it can summarize unread updates from this morning, create draft replies to urgent messages, fetch contact details for recent senders, and more without ever putting your account credentials at risk.

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Why use Composio over default connectors?

  • Apps with read and write access. Default connectors mostly can read your data. Composio's Xero integration lets ChatGPT take actions like creating drafts, sending updates, labeling records, and more.
  • 1,000+ SaaS toolkits out of the box. Composio gives you instant access to a vast catalog of pre-built connectors, from Gmail and Slack to Notion, Linear, and Salesforce.
  • One MCP server for every app. Connect any of your applications on demand through a single endpoint, rather than juggling a separate server for each app.
  • Smart, context-aware tool loading. Unlike traditional MCP servers that dump every available tool into the LLM context window, Composio searches for and loads only the tools relevant to the task at hand.
  • Cross-app automation. Chain actions across multiple apps in a single run - fetch a thread, summarize it in Notion, and post highlights to Slack without leaving the conversation.

Prerequisites

  • A ChatGPT account with Plus subscription or higher (Business, Enterprise, Edu, or Pro). We will use ChatGPT Web.
  • Access to the Xero workspace you want to connect.
  • Composio MCP.

Note: Composio connects through OAuth. You will be asked to sign in and approve specific permissions. Review the permission screen carefully if you are using a work account.

Step-by-step: Connect Xero to ChatGPT

1. Enable Developer Mode

In ChatGPT, go to Settings > Apps > Advanced settings and turn on Developer Mode.

ChatGPT settings showing Developer Mode toggle

2. Add the MCP server

Click Create app, then paste the Composio MCP server URL:

bash
https://connect.composio.dev/mcp
ChatGPT create app flow with Composio MCP URL

3. Authorize in your browser

A browser window will open automatically. Sign in to authorize ChatGPT to access your Composio account.

Composio authorization screen for ChatGPT MCP setup

4. Start using Composio

Composio tools are now available in ChatGPT chats and Deep Research. In every new chat, click the + icon at the bottom, click More, and select Composio to enable tools for that conversation.

What you can do after connecting Xero

  • List all active Xero tenant connections
  • Show latest contacts added this week
  • Retrieve all open quotes for this month
  • Update invoice 12345 with new payment date

Security + privacy notes (important)

  • Use least-privilege access: Only grant permissions you actually need.
  • Review OAuth permissions before approving: Make sure requested scopes match what you expect Composio and ChatGPT to do.
  • Keep write actions human-reviewed: For actions like sending messages, creating labels, or editing drafts, keep manual confirmation enabled.
  • Be careful with sensitive data: Avoid using this setup with highly sensitive information unless allowed by your personal, company, or client policies.
TOOLS

Supported Tools

Every Xero action and event your agent gets out of the box.

Create Bank Transaction

Create a bank transaction in Xero.

Create Contact

Create a new contact in Xero.

Create Invoice

Create a new invoice in Xero.

Create Item

Create an inventory item in Xero.

Create Manual Journal

Create one or more manual journals (journal entries) in Xero with journal lines.

Create Payment

Create a payment in Xero to link an invoice with a bank account transaction.

Create Purchase Order

Create a purchase order in Xero to order goods/services from suppliers.

Get Account

Retrieve a specific account from Xero's chart of accounts by its unique ID.

Get Asset

Retrieve a specific asset by ID from Xero.

Get Balance Sheet Report

Retrieve Balance Sheet report from Xero.

Get Budget

Retrieve a budget from Xero.

Get Connections

Tool to list active Xero connections.

Get Contacts

Tool to retrieve a list of contacts.

Get Invoice

Retrieve a specific invoice by ID from Xero.

Get Item

Retrieve a specific item by ID from Xero.

Get Manual Journal

Retrieve a specific manual journal by ID from Xero.

Get Organisation

Retrieve organisation details from Xero.

Get Profit & Loss Report

Retrieve Profit & Loss report from Xero.

Get Project

Retrieve a specific project by ID from Xero.

Get Purchase Order

Retrieve a specific purchase order by ID from Xero.

Get Quotes

Tool to retrieve a list of quotes.

Get Trial Balance Report

Retrieve Trial Balance report from Xero.

List Accounts

Retrieve chart of accounts from Xero.

List Assets

Retrieve fixed assets from Xero.

List Attachments

List all attachments for a specific entity in Xero (invoice, contact, etc.

List Bank Transactions

Retrieve bank transactions from Xero.

List Credit Notes

Retrieve list of credit notes from Xero.

List Files

Retrieve files from Xero Files.

List Folders

Retrieve folders from Xero Files.

List Invoices

Retrieve a list of invoices from Xero.

List Items

Retrieve items (inventory/products) from Xero.

List Journals

Retrieve journals from Xero.

List Manual Journals

Retrieve manual journals from Xero.

List Payments

Retrieve list of payments from Xero.

List Projects

Retrieve projects from Xero.

List Purchase Orders

Retrieve list of purchase orders from Xero.

List Tax Rates

Retrieve tax rates from Xero.

List Tracking Categories

Retrieve tracking categories from Xero.

Update Invoice

Tool to update an existing invoice.

Update Contact

Update an existing contact in Xero.

Upload Attachment

Upload a file attachment to a Xero entity (invoice, contact, etc.

FRAMEWORKS

How to build Xero MCP Agent with another framework

OpenAI Agents SDK logo

OpenAI Agents SDK

Use Xero MCP with OpenAI Agents SDK

Claude Agent SDK logo

Claude Agent SDK

Use Xero MCP with Claude Agent SDK

Claude Code logo

Claude Code

Use Xero MCP with Claude Code

Claude Cowork logo

Claude Cowork

Use Xero MCP with Claude Cowork

Codex logo

Codex

Use Xero MCP with Codex

Cursor logo

Cursor

Use Xero MCP with Cursor

OpenClaw logo

OpenClaw

Use Xero MCP with OpenClaw

Hermes logo

Hermes

Use Xero MCP with Hermes

CLI logo

CLI

Use Xero MCP with CLI

Google ADK logo

Google ADK

Use Xero MCP with Google ADK

LangChain logo

LangChain

Use Xero MCP with LangChain

Vercel AI SDK logo

Vercel AI SDK

Use Xero MCP with Vercel AI SDK

Mastra AI logo

Mastra AI

Use Xero MCP with Mastra AI

LlamaIndex logo

LlamaIndex

Use Xero MCP with LlamaIndex

CrewAI logo

CrewAI

Use Xero MCP with CrewAI

OpenCode logo

OpenCode

Use Xero MCP with OpenCode

VS Code logo

VS Code

Use Xero MCP with VS Code

FAQ

Frequently asked questions

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.

Yes, you can. ChatGPT 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.

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.

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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A lot of students tell us that the moment their connected tools start talking to each other inside Opennote feels almost magical. The agent just knows them, and it's immensely helped keep new users on the platform.

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