Five reminders, generic, full stop
Native Xero reminders are capped at five, fixed in time, and send the same message to a strategic customer as to a chronic late payer.
NATIVE INTEGRATION
Beta
Finaxis + Xero: turn your reconciliation into a conversational collections engine
Connect Finaxis to Xero in under 15 minutes. Your reconciled bank feeds, invoices, and partial payments become an AI copilot that recommends the right action — credit note, adjustment, follow-up — and executes it after your approval.
Xero
Trusted by Quebec SMBs
The problem
Xero reconciles — but it doesn't collect
Xero is excellent at invoicing, bank feeds, and reconciliation. But once the invoice is sent, automation stops at five generic reminders, identical for every customer. Partial payments, reconciliation gaps, and personalized follow-ups all fall back on your team — and every day that passes piles onto your DSO. Finaxis plugs into Xero so reconciliation finally triggers action, without changing your habits or your accounting software.
Partial payments slip under the radar
Xero marks the invoice "partially paid" and stops there. No trigger, no suggested credit note, no targeted follow-up on the balance.
Reconciliation stays static
Your bank feeds get reconciled every day — but the information never leaves Xero to become a collections action plan.
No copilot to query your Xero data
To answer "who's over 60 days and has paid late three times," you have to pull reports, export to CSV, and cross-reference by hand. Your questions don't get fast answers.
No native cash forecast
Xero produces solid historical reports, but no 30-day forecast based on each customer's actual payment behaviour.
Multi-org: as many blind spots as entities
Accountants and groups managing multiple Xero organizations have no consolidated collections view — every entity works in a silo.
WHY FINAXIS
Why connect Finaxis to Xero
Finaxis reads Xero in complementary mode — without polluting it — and turns your bank reconciliation into a conversational copilot that proposes, executes, and tracks every collection action.
Continuous Xero sync
Invoices, contacts, payments, and bank entries sync in real time via the Xero API. No manual entry, no CSV exports — your source of truth stays intact.
Conversational copilot connected to Xero
Ask in plain language — "Which partial payments from yesterday need a credit note? Generate them and chase the balances." — and Finaxis executes, after your approval, directly in Xero.
AI-powered intelligent follow-ups
Beyond Xero's five native reminders, the AI analyzes each customer's payment history and adapts the tone, timing, channel, and frequency of follow-ups to maximize response rate without damaging the relationship.
30-day cash forecast
An 85-95% accurate cash flow forecast, anchored on your reconciled bank entries in Xero and the actual payment behaviour of each account.
Multi-channel communications
Reach customers by email, SMS, and AI-powered phone calls — in each debtor's language (fr-CA, en-CA, en-US). No follow-up is ignored because only one channel was tried.
Your customers only see you
Every communication goes out under your company's name, email, and voice. Finaxis works behind the scenes — your brand keeps the customer relationship, no "powered by" banner.
Partial and underpayment detection
As soon as a Xero invoice is partially paid, Finaxis identifies the gap, proposes the credit note or adjustment entry, and triggers a targeted follow-up on the remaining balance.
Consolidated multi-org view
Accountants and groups managing multiple Xero organizations get a unified view of receivables, DSO, and cash — without juggling between files.
HOW IT WORKS
How it works
A secure connection, complementary read access, and a copilot ready to execute from day one.
1
Connect your Xero account
Secure authentication via Xero OAuth 2.0 in a few clicks. No code, no IT involvement.
2
Finaxis imports your Xero data
Sync of invoices, contacts, payments, and reconciled bank entries — read-only by default.
3
AI configures the strategies
Automatic creation of follow-up sequences, risk-based segmentation, and activation of the conversational copilot.
4
You collect faster, in full control
Real-time dashboard, copilot proposals in chat, execution in Xero after your approval.
Technical details
How the Xero integration works
Authentication
Xero OAuth 2.0 (authorization from Finaxis)
Connection time
under 15 minutes
Data flow direction
reads accounting and bank data; limited, audited writes for approved actions (notes, credit notes, reconciled payments)
Sync frequency
continuous sync via the Xero API
What this integration enables, exclusively!
- Conversational copilot connected to your Xero invoices, contacts, and bank entries
- Automatic detection of partial payments with proposed credit note or adjustment entry
- 30-day cash forecast anchored on Xero bank reconciliation (85-95% accuracy)
- Consolidated multi-org view for Xero accounting firms and groups
- Complementary mode — Finaxis only writes to Xero after your explicit approval
- Data hosted in Canada, compliant with Quebec's Law 25
COMPARISON
What Finaxis does that Xero alone doesn't
Discover the power of AI combined with your accounting data.
Xero alone
Xero + Finaxis
Payment reminders
Maximum 5 generic reminders, identical for every customer
Unlimited sequences, personalized by payment history and customer profile
Conversational AI copilot
None
Copilot connected to Xero, proposes and executes actions after approval
Partial payments
Marked "partially paid," no action triggered
Automatic detection, proposed credit note or adjustment, targeted follow-up on the balance
Cash forecast
Historical reports only
AI 30-day forecast (85-95% accuracy)
Multi-channel communications
Email only
Email, SMS, and AI calls, in the debtor's language
White-label
Variable depending on the template used
Every communication goes out under your brand, voice, and domain
Multi-org view
One organization at a time
Consolidated AR, DSO, and cash view across all Xero organizations
DSO management
No mechanism dedicated to collections
AI engine dedicated to accelerating collections (15-25% reduction in 90 days)
Payment reminders
Maximum 5 generic reminders, identical for every customer
Unlimited sequences, personalized by payment history and customer profile
Conversational AI copilot
None
Copilot connected to Xero, proposes and executes actions after approval
Partial payments
Marked "partially paid," no action triggered
Automatic detection, proposed credit note or adjustment, targeted follow-up on the balance
Cash forecast
Historical reports only
AI 30-day forecast (85-95% accuracy)
Multi-channel communications
Email only
Email, SMS, and AI calls, in the debtor's language
White-label
Variable depending on the template used
Every communication goes out under your brand, voice, and domain
Multi-org view
One organization at a time
Consolidated AR, DSO, and cash view across all Xero organizations
DSO management
No mechanism dedicated to collections
AI engine dedicated to accelerating collections (15-25% reduction in 90 days)
FAQ
Frequently asked questions
Everything you need to know about the integration.
The connection is made directly from Finaxis via Xero OAuth 2.0, in under 15 minutes. You authorize access to your Xero account in a few clicks — no code, no IT involvement.
Finaxis runs in complementary mode. It reads your invoices, contacts, payments, and reconciled bank entries, but only writes to Xero the actions you've approved (notes, credit notes, reconciled payments). Your books stay clean.
No. Every communication goes out under your company's name, email, and voice. Your customers only see your brand — Finaxis stays invisible behind the scenes.
Three structural differences: (1) a conversational copilot truly connected to your Xero data, where others are limited to follow-up sequences; (2) native coverage of Canadian French and Canadian data hosting (Quebec Law 25); (3) active detection of partial payments and reconciliation gaps with automatic credit-note or adjustment-entry proposals.
Yes. Accounting firms and groups managing multiple Xero organizations get a consolidated view of receivables, DSO, and cash across all entities, without juggling between files.
As soon as a Xero invoice is marked partially paid or a gap appears in reconciliation, the copilot identifies it, proposes a credit note, an adjustment entry, or a targeted follow-up on the balance, and executes after your approval.
Yes. You can approve every message manually or let Finaxis send automatically based on your rules. You stay in full control at all times.
Yes. Contact our sales team to start a trial and see results before committing to a plan.
Yes, we are CASA Tier 2 certified. All data is hosted in Canada (Quebec Law 25 compliance), encrypted end-to-end, and protected by the OAuth 2.0 standard.
Connecting Xero and syncing the data usually takes under 15 minutes. If you use Microsoft 365 or Google Workspace (Gmail), you can also connect your inbox in the same flow and send a first follow-up in copilot mode within those 15 minutes. Response-rate improvements typically show after 30 days of use, and you should expect about 90 days to reach a 15-25% reduction in your overall DSO.
Ready to turn Xero into a collections engine?
Connect Xero to Finaxis in under 15 minutes. Free trial on request, guided by our team.