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Xero logo

Xero

Partially Agent-Ready
Agent-Ready SaaS Index · xero.com · scored 2026-05-09 · rubric v2.0
Score 49 / 100
Accounting
Self-serve checkout
Public API

Xero scores 49/100 on xpay's Agent-Ready Index v2: partial pricing visibility; self-serve checkout is available; a free entry path exists.

See Xero pricing summaryLive pricing page
Pricing
Xero pricing
As of 2026-05-09 · www.xero.com/pricing-plans/
Lite
$1.4/mo
flat
Send 5 invoices and quotes
Accept online invoice payments
Reconcile bank transactions
Capture bills and receipts with Hubdoc
View real‑time reports
Starter
$5.8/mo
flat
Send quotes and up to 20 invoices
Accept online invoice payments
Enter up to 5 bills
Reconcile bank transactions
Capture bills and receipts with Hubdoc
Standard
$10/mo
flat
All Starter features
Forecast cash flow (30 days)
Bulk reconcile transactions
Tailored financial health scorecards
Customize performance dashboards
Premium
$15/mo
flat
All Standard features
Forecast cash flow (180 days)
Multiple currencies
Analytics Plus (payment fees apply)
Score breakdown · rubric v2.0
How Xero scores on the agent-ready dimensions

Public pricing visibility

15 / 15

Self-serve checkout

15 / 15

Public API + docs

0 / 20

Usage-based / metered pricing

0 / 20

Free entry path

7 / 7

No sales call required

7 / 7

Card / wallet / x402 payment

5 / 6

Machine-readable bonus (MCP / OpenAPI)

0 / 10

Total
49 / 100
Effective pricing
What it actually costs at typical scale
1 organization on Lite plan
$1.4/mo
· No add‑ons purchased· Monthly billing
Confidence: high
Agent purchase verdict
Can an autonomous agent transact here?
Agent-ready
LLM score: 60/100

Can create account

Yes

Can enter payment method

Yes

Can upgrade plan

Yes

Can buy more usage

No

Can cancel online

Yes

Payment methods

card

Human approval recommended

No

Pricing transparency

full

Purchase motion

self_serve

Demo required

No

Quote required

No

Annual commit required

No

Auto-renewal mentioned

Yes

Cancellation policy visible

Yes

Refund policy visible

No

Invoice payment available

Yes

Purchase orders supported

No

MSA required

No

DPA available

Unknown

Security review required

Unknown

Trial

Available, no card

Startup credits

80% off first 3 months for new customers

Competitive intel
Positioning & ecosystem
Headline

“Plans to suit your business”

Buyer persona

smb
mid market
enterprise

Value claims
80% off first 3 months
Agent purchase simulation
Six-step check: can an agent actually buy from Xero?
✓

Discover price

✓

Select a plan

✗

Pay per task

✓

Avoid a sales call

◐

API docs without auth

✗

Estimate cost upfront

Analysis
Pros and cons for AI agents
Observational summary written by xpay from the signals captured on 2026-05-06. Not a review of the product — only of its current pricing posture for agent buyers.
✓ For an AI agent
  • Pricing is publicly visible on an indexable page — agents can read tiers without scraping past auth.
  • Every advertised tier is self-serve; no tier requires scheduling a call.
◐ Opportunities for the provider
  • No per-unit price was advertised, so an agent has no way to estimate the cost of a single task.
  • API documentation is gated or absent; an agent cannot inspect the integration surface without authentication.
  • PPU requires account creation and an issued API key; a fully unauthenticated agent purchase is not yet supported.
  • No /.well-known/ai-pricing.json or equivalent machine-readable pricing manifest is published — agents must rely on HTML scraping.
One-line fix
How Xero could lift its score

Add a per-unit price (e.g. $X / 1K calls) to the pricing page so an agent can compute its own cost before committing.

pricing_visible

true

headline_phrasing

Plans to suit your business — Clients and staff in one place

tier_count

3

lowest_paid_entry_usd

5

free_tier

false

free_tier_terms

null

per_unit_price

null

annual_required

true

self_serve_paid_tiers

2

sales_only_tiers

0

public_api_docs_url

https://developer.xero.com/

api_docs_auth_walled

false

ai_pricing_json_present

false

agents_txt_present

false

anonymous_purchase_path

false

per_unit_classification

null

usage_headline_present

false

custom_tier_present

true

agent_friendly

{"ai_pricing_json":false,"agents_txt":false,"llms_txt":false,"sitemap_xml":true,"mcp_server_card":false,"agent_skills_index":false,"x402_supported":false}

View raw extracted page text →
Page heading: Plans to suit your business
CTAs (40): Try Xero for free · Log in · Features · Explore our accounting software · Xero Accounting app · JAX Chat · Pay bills · Claim expenses · Bank connections · Payroll · Online invoicing · Accept payments
Price tokens (42): $75 · $15 · $180 · $5 per month · $10 per month · $5 per month · $10 per month · $50 · $10 · $120 · $5 per month · $10 per month
Try Xero for freeLog inFeaturesExplore our accounting softwareXero Accounting appJAX ChatPay billsClaim expensesBank connectionsPayrollOnline invoicingAccept paymentsSee all Xero featuresFor accountants and bookkeepersXero HQClients and staff in one placeXero Practice ManagerManage your practice efficientlyXero WorkpapersManage compliance workflowsXero Cashbook & LedgerA starter for smaller clientsStreamline your tasksExplore the Xero App StoreFind, try and buy business apps that connect with Xero.Pricing For small businessSee what Xero can do for small businessesAccounting software FeaturesXero solutions by industryFind an accountant or bookkeeperGuidesWhy XeroBenefits of XeroData & authenticationSmart online accountingInnovation at XeroJAX - Your AI financial superagentFor GlobalXero BlogFor accountants & bookkeepersSee what Xero can do for accountants and bookkeepersXero HQManage clients and staffXero Cashbook, Xero LedgerStarter plans for smaller clientsXero Practice ManagerManage your practice efficientlyNew workpapersFaster, more accurate complianceSyft Analytics Xero for accountants & bookkeepersGrow with the Xero partner programJoin over 250,000 accountants and bookkeepers using Xero in their practice.Join and get Xero free Become a Xero expertGet discounts and rewardsExplore the partner programWhy XeroFor accountantsFor bookkeepersFor enterprise practices Grow your practiceAccountant & bookkeeper guidesSupportGet support or learn how to use XeroSupport to set up or u…
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Are you Xero? Something off in this listing?
Agent-Ready Spec
Xero
Partially Agent-Ready

49

/ 100 (rubric v2.0)
Category

Accounting

Pricing model

Plans to suit your business — Clients and staff in one place

Tier count

3

Free tier

No

Lowest paid entry

$5/mo

Self-serve / sales-only tiers

2 / 0

Public API docs

Public

Anonymous purchase path

No

Machine-readable pricing

Not published

Last refreshed

2026-05-09

Pricing intelligenceInsights extracted from www.xero.com/pricing-plans/
Pricing model

Tier-based subscription

Agent-purchase verdict
Agent-ready
60/100 · v2.1
Canonical answer

Xero pricing starts at $1.40/mo for the Lite plan; free trial available; paid plans up to $15/mo. Billed monthly.

Cheapest entry

Free trial (Free)

Actions
Open live pricing page
Verdict reflects Partially Agent-Ready status under rubric v2.0. Source observed at https://www.xero.com/pricing-plans/.
Agent-friendly features1 of 7 present
Discovery files and protocols
Side-channel signals — informational, not part of the score. Each protocol is independent; adoption signals the publisher is thinking about agent buyers.

ai-pricing.json

agents.txt

llms.txt

sitemap.xml

MCP Server Card

Agent Skills

x402 / MPP

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CompanyAgentically Inc. (d/b/a xpay✦)1875 Mission St, Ste 103San Francisco, CA 94103, United Stateslegal@xpay.sh · privacy@xpay.sh
or ask your AI app
Company
About xpayAgency PartnersGitHubDiscordllms.txt
DevelopersDocumentationAPI ReferenceSDKs & LibrariesQuickstart GuideOpenAPI Spec
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