Native Integration with Xero: AI-Native AR on Top of Your Ledger

How the Xero + Monk Integration Powers Invoice to Cash

Your Ledger Stays the System of Record: Monk does not replace Xero. Invoices, customers and balances keep living in Xero, and Monk layers AI-native collections and cash application on top. You get the automation without a migration and without retraining your team on a new ledger.

Customer, Invoice and Payment Sync: Connect your Xero organisation and customers, invoices and payments sync into Monk. No CSV exports and no overnight batch files.

Beyond Invoice Reminders: Xero sends scheduled reminders on a fixed timetable. Monk reads what the customer writes back and answers it, which is why 90% of invoices are resolved without a person stepping in.

Reply-Aware Collections: Julia, the Monk agent for Intelligent Collections, reads inbound replies and responds to what the customer said rather than advancing a fixed dunning sequence. 90% of invoices are resolved without escalation.

Cash Application: Incoming payments are matched to open invoices automatically, at an 80% match rate rising to 95% with suggested matching rules that your team owns rather than raising a ticket to change.

What Makes Monk Different

AP Portal Submission: Monk submits invoices into more than 600 corporate accounts payable portals and uploads 87% of them autonomously. Across the $2B+ in receivables Monk manages, 92% of enterprise invoices have to be submitted through a customer's portal rather than paid from an emailed invoice. This is the step most receivables tooling leaves to a person.

Rules You Control: Your team configures matching rules and collections playbooks directly, without raising a request with vendor support.

Fast to Live: Monk goes live in one to three days and is SOC 2 Type II compliant.

Common Use Cases We Support

• Services and agency businesses billing on Xero with long payment cycles
• Companies that outgrew Xero's built-in reminders and need replies handled
• Finance teams of one to five carrying collections alongside the close
• Xero users selling into enterprise that submit invoices through customer AP portals
• Controllers wanting collections automation without changing accounting software

Answers to Questions You May Have

Does Monk replace Xero?
No. Xero stays the system of record for your financials. Monk connects to it, reads receivables data, and runs the collections and cash work that is manual today.

What data comes across?
Customers, invoices and payments sync from your Xero organisation into Monk.

How is this different from Xero invoice reminders?
Xero reminders follow a schedule. Monk reads inbound replies and responds to what the customer said, and it submits invoices into AP portals when a customer requires that.

Can we keep sending from our own mailbox?
Yes. Monk connects to Gmail, Outlook and Exchange mailboxes so collections runs from the address your customers already recognise.

How long does it take to go live?
One to three days. Monk manages $2B+ in receivables and is SOC 2 Type II compliant.