Accounting

Metro 2 Integration for Xero

Connect Xero accounting software to Metro2 for credit bureau reporting of customer accounts. Report payment history on credit terms you extend to customers. Metro2 connects via Xero's REST API with mandatory OAuth 2.0 authentication (Bearer tokens with Xero-Tenant-Id header). Xero provides over 100 endpoints covering Invoices, Contacts, Payments, BankTransactions, and Payroll. Webhooks are HMAC-SHA256 signed and must respond within 5 seconds. Rate limits are 5 concurrent calls, 60 per minute, and 5,000 per day per organization. Xero offers an official Python SDK. Plans range from $15 to $130/month.

How It Works

Xero provides customer and invoice data through its REST API (OAuth 2.0 with Xero-Tenant-Id header) and HMAC-SHA256 signed webhooks. Metro2 maps accounts receivable data to Metro 2 Base Segment format, calculates payment ratings from invoice due dates vs. payment dates, and submits to Equifax, Experian, and TransUnion.

Xero

Metro2

Credit Bureaus

Benefits

100+ API Endpoints

Xero provides over 100 REST API endpoints for Invoices, Contacts, Payments, BankTransactions, and Payroll data.

HMAC-SHA256 Webhooks

Receive real-time invoice and payment events via HMAC-SHA256 signed webhooks. Must respond within 5 seconds.

Payment Motivation

Credit reporting motivates customers to pay on time, reducing your days sales outstanding.

Official Python SDK

Xero provides an official Python SDK for reliable, well-maintained API integration.

Simple OAuth Setup

Connect Xero in minutes with mandatory OAuth 2.0 authentication using Bearer tokens.

Data Fields That Sync

Metro2 maps these fields from Xero to Metro 2 format automatically.

Contact information (name, address, identification)
Invoice terms and due dates
Payment records, amounts, and dates
Outstanding balance and account aging
Account history and credit terms
Bank transaction references

Get Set Up in 4 Steps

Connect Xero

Authorize Metro2 through Xero's mandatory OAuth 2.0 flow. All API calls require Bearer token and Xero-Tenant-Id header for multi-org support.

Configure Webhooks

Set up HMAC-SHA256 signed webhook endpoints to receive real-time invoice and payment events. Endpoint must respond within 5 seconds.

Select Customers

Choose which contacts and invoice types to report. Configure credit terms, grace periods, and reporting rules.

Go Live

Validate test data and begin monthly credit bureau reporting to all three bureaus.

Frequently Asked Questions

Can I report both business and individual customers?

Metro 2 primarily reports consumer (individual) credit. Business-to-business credit reporting has different requirements and standards.

What are Xero's API rate limits?

Xero enforces 5 concurrent API calls, 60 calls per minute, and 5,000 calls per day per organization. Metro2 manages these limits automatically with request queuing and backoff.

Does Xero have native credit reporting?

No. Xero does not include built-in Metro 2 file generation or credit bureau submission. Metro2 provides this capability through the Xero API.

How fast do webhooks need to respond?

Xero webhooks must respond within 5 seconds. Metro2's webhook handler is optimized for fast acknowledgment with async processing of the event data.

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Ready to Connect Xero?

Start reporting to credit bureaus from Xero today. Our team will help you get set up quickly.