Accounting
Fynso + Xero: Live Accounting Data Behind Every Decision
Fynso connects to Xero through the standard Xero OAuth 2.0 API. The connection reads accounting settings, contacts, invoices, payments, bank transactions, and the aged AR, balance sheet, P&L, and trial balance reports. That data becomes a daily cash forecast, AR follow-up list, and an operator brief. Xero stays the system of record. Setup takes about three minutes.
Read-only — Fynso reads partner data
What this integration unlocks
Daily cash flow forecast
30/60/90-day projection built from your Xero data, live bank balances, and recurring patterns. Refreshes daily with named risks and a confidence band.
AR aging review with drafted follow-ups
Live aging from Xero's aged receivables report. Ranked overdue list with messages tone-matched to each customer's payment history.
Operator brief from your Xero data
Daily summary in plain language: what changed, what's at risk, three ranked actions for the day.
Margin and P&L trend surfacing
Gross and operating margin tracked over time from Xero's P&L. Drift gets flagged in the brief before it accumulates.
Scenario modeling against live data
Model a hire, a price change, or a capital purchase against your real Xero-sourced position. Two clicks.
Monthly close support
Reconciliation flags, AR/AP review, and a close-ready summary. Your bookkeeper still owns Xero; Fynso surfaces what needs attention.
How to connect Xero
Step 1
Open Fynso settings and choose Connections
From the Fynso app, navigate to Settings → Connections → Add accounting. Pick Xero from the list.
Step 2
Authorize through Xero's OAuth 2.0 flow
Click Connect Xero. Sign in to your Xero account and approve the scopes. Fynso requests the standard accounting read scopes plus offline_access for ongoing sync.
Step 3
Select the Xero organisation
If your Xero login has multiple organisations, pick the one Fynso should read. Switching later takes one click.
Step 4
Initial sync runs automatically
Fynso pulls accounting settings, contacts, invoices, payments, bank transactions, and the aged AR, balance sheet, P&L, and trial balance reports. Typically 2 to 5 minutes.
Step 5
Your first daily brief arrives within 24 hours
Cash position, projected balance at 30/60/90 days, AR follow-up list, three ranked actions.
Security & privacy
Fynso connects to Xero through the standard OAuth 2.0 flow used by Xero-approved third-party apps. Fynso never stores your Xero password. The requested scopes are read-focused: accounting.settings, accounting.contacts, accounting.invoices.read, accounting.payments.read, accounting.banktransactions.read, and the .read scopes for aged AR, balance sheet, P&L, and trial balance reports — plus offline_access for ongoing sync. Write actions, where supported by the API, are not part of the standard sync. You can revoke the connection at any time from Xero's Connected Apps panel or from Fynso's connection settings.
TL;DR
Fynso connects to Xero through the standard OAuth 2.0 API. Setup takes about three minutes.
The connection requests read-focused scopes: accounting.settings, contacts, invoices.read, payments.read, banktransactions.read, and the report scopes for aged AR, balance sheet, P&L, and trial balance.
That data becomes a daily cash forecast, AR follow-up list with drafted messages, an operator brief, and scenario models you can run against your real position.
Xero stays the system of record. Fynso reads from it; the data stays in Xero.
One Xero organisation per Fynso workspace. Switching takes one click in settings.
Why connect Xero?
Same reason you’d connect QuickBooks: the data you’ve already recorded should be working harder for you.
Xero is excellent at what it does — accurate accounting, clean reports, strong bank reconciliation, real-time visibility for your bookkeeper or accountant. What it doesn’t do natively is turn that data into the daily decisions you actually make: can I cover next payroll, which receivables are most at risk, can I afford to hire. That’s the gap Fynso fills.
The underlying need is well-documented. The Bluevine Cash Flow Survey 2025 reports 39% of small businesses have less than one month of cash on hand. OnDeck’s Q1 2026 report shows cash flow has overtaken inflation as the top concern. Your Xero data already has the answers; it just needs a layer that turns it into action every morning.
What does this integration unlock?
Once connected, Fynso reads from Xero daily and produces:
- A daily cash forecast. 30/60/90-day projection combining Xero data with live bank balances and recurring patterns.
- AR aging review. Drawn directly from Xero’s aged receivables report, ranked by recovery probability with drafted follow-up messages.
- An operator brief. What changed, what’s at risk, three ranked actions for the day. No Xero reports to open.
- Margin trend surfacing. Gross and operating margin from Xero’s P&L tracked over time. Drift flagged early.
- Scenario modeling. Test a hire, price change, or capital purchase against your real position.
- Monthly close support. Reconciliation flags, AR/AP review, close-ready summary.
How to connect Xero
Five steps. About three minutes start to finish.
- Open Fynso settings → Connections → Add accounting. Pick Xero.
- Authorize through Xero’s OAuth 2.0 flow. Sign in and approve the scopes. Fynso requests read-focused scopes plus
offline_accessfor ongoing sync — the standard pattern for Xero-approved apps. - Select the Xero organisation. If your Xero login has multiple organisations, pick the one for Fynso to read.
- Initial sync runs. Fynso pulls accounting settings, contacts, invoices, payments, bank transactions, and the four key reports. Typically 2–5 minutes.
- First daily brief arrives within 24 hours. Cash position, projected balance at 30/60/90 days, AR follow-up list, three ranked actions.
Security and privacy
The connection runs through Xero’s standard OAuth 2.0 flow — the same model used by every Xero-approved third-party app:
- Fynso never stores your Xero password. OAuth means Xero handles authentication; Fynso receives a revocable access token.
- The requested scopes are read-focused. Specifically:
accounting.settings,accounting.contacts,accounting.invoices.read,accounting.payments.read,accounting.banktransactions.read, plus the.readscopes for aged AR, balance sheet, P&L, and trial balance reports.offline_accessis requested for ongoing sync without re-auth. - Write actions are not part of the standard sync. Any write capability would require separate scopes and explicit owner approval.
- Revocable any time. You can disconnect from Fynso’s settings or from Xero’s Connected Apps panel. Disconnecting stops all data sync immediately.
What this integration does not do
- It doesn’t replace Xero. Xero remains the system of record. Fynso reads from it; the data stays in Xero.
- It doesn’t post journal entries or modify ledger records. Read-focused scopes only.
- It doesn’t replace your bookkeeper or accountant. Their work in Xero produces the clean data that makes Fynso’s forecast accurate.
- It doesn’t file your taxes. Fynso supports your prep work by surfacing readiness gaps; the filing happens elsewhere.
Related reading
- Bookkeeper vs Accountant vs CFO — where Fynso sits relative to your existing finance roles.
- The Monthly Close Discipline — what a proper close looks like and how Fynso supports it.
- Cash Runway for Small Business Owners — the forward-looking number your Xero data makes possible.
- The AR Aging Report: How to Read It in 3 Minutes a Week — the report Fynso turns into a ranked action list.
Turn your Xero data into a daily decision view. Start a 14-day free trial — connect Xero in three minutes, see your first operator brief within 24 hours.
Frequently asked questions
- What data does Fynso read from Xero?
- Accounting settings, contacts, invoices, payments, bank transactions, and the four key reports: aged receivables, balance sheet, profit and loss, and trial balance. The connection uses read-focused scopes, so Fynso pulls but doesn't modify.
- Does Fynso modify my Xero data?
- No. The standard sync uses Xero's read scopes — invoices.read, payments.read, banktransactions.read, reports.*.read. Your Xero records stay exactly as your bookkeeper maintains them. Write actions would require separate scopes and explicit owner approval.
- What about multiple Xero organisations?
- Fynso supports one Xero organisation per Fynso workspace. If you run multiple businesses on separate Xero files, you'll connect each to its own Fynso workspace. Switching the connected organisation within a workspace is one click in settings.
- How is Xero different from QuickBooks for Fynso?
- Functionally, they're equivalent — Fynso reads the same shape of data (chart of accounts, P&L, balance sheet, AR aging, transactions) from both. Xero's API exposes the aged AR, P&L, balance sheet, and trial balance as dedicated report endpoints, which Fynso uses directly. Connection setup, sync cadence, and downstream Fynso features are identical.
- What if I'm migrating from QuickBooks to Xero?
- Fynso supports the switch cleanly: disconnect QuickBooks in Fynso, complete your Xero migration with Xero or your accountant, then connect Xero in Fynso. Your historical Fynso data (briefs, forecasts, AR follow-up history) stays available; the source switches to Xero going forward.