← Embedded Finance Index 2026/Integration

Xero

AccountingXero Limited

333 of 4,683 analysed fintechs name Xero as a connection destination for their embedded-finance stack — #2 among the destination systems this report tracks.

QuickBooks' counterpart outside the US — the books of record most often named by UK, Australian and New Zealand fintechs.

A destination, not a provider. Xeroreceives the transactions a fintech’s embedded-finance stack produces; it does not supply the accounts, cards or rails underneath. That is why it is counted here and not on the vendor leaderboards.

xero.comSection 11 · ERP & accounting connectivity →
TypeAccounting
VendorXero Limited
Strongest inUK / ANZ
Named by333 companies
Share7.1% of 4,683
Rank#2 of 44 systems
Who carries the connection

Unified-API providers disclosed by the same companies. These are the vendors doing the integration work — the Xero connection is what they sell.

Apideck · 43Codat · 16Rutter · 15Chift · 3Bookkeep · 1Big Red Cloud · 1Dext · 1Pennylane · 1Rillet · 1Merge · 1Shogo · 1Money Forward Cloud Accounting API · 1
Who connects to it

Analysed companies whose own public disclosure names Xero as a destination. Showing 24 of 333.

AcuityAdcb EgyptAdobe CommerceADPAfricas FirstrandAfterpayAgicapAirwallexAllica BankAmazonAmbrookAmerican Express Make MovesANNA MoneyApprovalmaxArchaArtlogicASOSASPIRAAspireAspire ChinaAtlarAtlassianAutobooksAviatize+ 309 more →
Named as

The spellings companies used, all counted on this page.

Xero · 327Xero (native) · 2Xero (data migration via Dataswitcher) · 1Xero (native Etsy app) · 1Xero (via FNB business banking) · 1Xero (via integrations directory) · 1
Other accounting destinations
QuickBooks451Sage109Sage Intacct71Zoho Books34FreshBooks22DATEV18
By theApideck research team— the unified API platform behind Embedded Finance Index.