How to integrate Xero MCP with ChatGPT

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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.

Also integrate Xero with

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.

Supported Tools & Triggers

Tools
Create Bank TransactionCreate a bank transaction in Xero.
Create ContactCreate a new contact in Xero.
Create InvoiceCreate a new invoice in Xero.
Create ItemCreate an inventory item in Xero.
Create Manual JournalCreate one or more manual journals (journal entries) in Xero with journal lines.
Create PaymentCreate a payment in Xero to link an invoice with a bank account transaction.
Create Purchase OrderCreate a purchase order in Xero to order goods/services from suppliers.
Get AccountRetrieve a specific account from Xero's chart of accounts by its unique ID.
Get AssetRetrieve a specific asset by ID from Xero.
Get Balance Sheet ReportRetrieve Balance Sheet report from Xero.
Get BudgetRetrieve a budget from Xero.
Get ConnectionsTool to list active Xero connections.
Get ContactsTool to retrieve a list of contacts.
Get InvoiceRetrieve a specific invoice by ID from Xero.
Get ItemRetrieve a specific item by ID from Xero.
Get Manual JournalRetrieve a specific manual journal by ID from Xero.
Get OrganisationRetrieve organisation details from Xero.
Get Profit & Loss ReportRetrieve Profit & Loss report from Xero.
Get ProjectRetrieve a specific project by ID from Xero.
Get Purchase OrderRetrieve a specific purchase order by ID from Xero.
Get QuotesTool to retrieve a list of quotes.
Get Trial Balance ReportRetrieve Trial Balance report from Xero.
List AccountsRetrieve chart of accounts from Xero.
List AssetsRetrieve fixed assets from Xero.
List AttachmentsList all attachments for a specific entity in Xero (invoice, contact, etc.
List Bank TransactionsRetrieve bank transactions from Xero.
List Credit NotesRetrieve list of credit notes from Xero.
List FilesRetrieve files from Xero Files.
List FoldersRetrieve folders from Xero Files.
List InvoicesRetrieve a list of invoices from Xero.
List ItemsRetrieve items (inventory/products) from Xero.
List JournalsRetrieve journals from Xero.
List Manual JournalsRetrieve manual journals from Xero.
List PaymentsRetrieve list of payments from Xero.
List ProjectsRetrieve projects from Xero.
List Purchase OrdersRetrieve list of purchase orders from Xero.
List Tax RatesRetrieve tax rates from Xero.
List Tracking CategoriesRetrieve tracking categories from Xero.
Update InvoiceTool to update an existing invoice.
Update ContactUpdate an existing contact in Xero.
Upload AttachmentUpload a file attachment to a Xero entity (invoice, contact, etc.

How to build Xero MCP Agent with another framework

FAQ

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 ChatGPT?

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.

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.

Used by agents from

Context
Letta
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HubSpot
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Context
Letta
glean
HubSpot
Agent.ai
Altera
DataStax
Entelligence
Rolai
Context
Letta
glean
HubSpot
Agent.ai
Altera
DataStax
Entelligence
Rolai

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