Xero's public REST suite at api.xero.com spans accounting, regional payroll, files, assets, projects, and practice management, with OAuth 2.0 PKCE and six official SDKs. Rate limits are published: 60 calls/min and 5,000/day per tenant. New 2025 terms bar AI training on API data.
Xero scores A on the API Report Card. Xero's public REST suite at api.xero.com spans accounting, regional payroll, files, assets, projects, and practice management, with OAuth 2.0 PKCE and six official SDKs. Rate limits are published: 60 calls/min and 5,000/day per tenant. New 2025 terms bar AI training on API data.
Xero has a workable official integration path. Most engineering teams can build against it directly. Open API: self-serve, documented, with SDKs
Xero is a New Zealand-founded, ASX-listed (XRO) global cloud accounting platform headquartered in Wellington with major offices in Auckland, Melbourne, Sydney, London, Denver, and Toronto.
Vertical: Financial Services (closest secondary: Accounting/Tax/Audit). Sub-vertical: cloud SMB general-ledger and bookkeeping. SMB owner or bookkeeper sets up a Xero organization, connects bank feeds (direct bank feeds or Yodlee/Plaid-backed), and codes daily transactions against the chart of accounts.
Very high in core geographies. Xero is the #1 cloud accounting platform in Australia and New Zealand (estimated >70% share of cloud-using SMBs in AU), a co-leader with QuickBooks Online and Sage in the UK, and a fast-growing #2 in the US and Canada.
Organisation records (legal name, country, base currency, financial year end, tax ID/ABN/NZBN/VAT, industry, line of business, timezone). Chart of accounts (account code, name, type, tax rate, class, system account flags).
Founded 2006; ~20 years old as of 2026. Modernness: high.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.