Xero has a strong following among small businesses, professional services firms, creative agencies, and the accountants and bookkeepers who manage multiple client accounts through a single platform. For Xero users, the bank feed is central to how they experience accounting software. When it works well, it is invisible — transactions appear automatically, balances are current, and reconciliation is a quick confirmation step. When it relies on screen scraping or fails to deliver current data, it becomes a daily friction point that reflects on the bank. Ninth Wave’s Xero integration delivers a reliable, API-based bank feed that protects that relationship.
Many Xero bank feeds at smaller institutions rely on screen scraping, which breaks when the bank updates its web interface and cannot operate through modern multi-factor authentication. Ninth Wave’s Xero integration uses a direct API connection — more reliable, more secure, and fully compatible with MFA.
Xero is heavily used by accounting firms that manage multiple client entities. Offering reliable Xero bank connectivity makes your institution attractive to accountants who can direct their clients’ business banking relationships based on how well the bank integrates with their workflow.
Xero integration is available through Ninth Wave Direct alongside QuickBooks, NetSuite, Sage, Quicken, Microsoft Business Central, and Workday — allowing institutions to serve their full small and mid-size business portfolio through a single platform.
Transactions delivered into Xero’s reconciliation interface automatically
Current account balances accessible inside the Xero environment
No screen scraping — MFA-compatible direct connection
Transaction data structured to Xero’s expected format for clean reconciliation
Secure, credential-free access for every Xero customer connection
Bank-side visibility into all Xero connection activity with instant revocation
Xero bank feeds that rely on screen scraping require customers to share their banking credentials with a third-party data collector. Ninth Wave’s integration uses OAuth 2.0 tokenization — the customer authorizes the connection once, and no banking credentials are held by Xero or any intermediary.
Ninth Wave Portal gives the bank visibility into every active Xero connection — which customers are connected, what data is being accessed, and when. Connections can be revoked instantly if needed, without requiring the customer to take action.
Ninth Wave Compass guides new institutions through Xero integration configuration — reducing the time from initial setup to a live customer bank feed.
For institutions serving accounting firms whose clients use Xero, Ninth Wave Managed Services provides onboarding support that accounts for the multi-client structure of accounting firm relationships.
Xero integration is activated at the customer level through the Ninth Wave management interface. New business customers can be connected without a new platform implementation — the setup works within the existing Ninth Wave Direct deployment.
One connection to Ninth Wave Direct gives your institution live access to QuickBooks, NetSuite, Sage, Xero, Quicken, Microsoft Business Central, and Workday — without building or maintaining separate integrations for each.
Every connection is built on secure, standards-based APIs that eliminate credential sharing, support modern authentication, and remain compatible as ERP platforms release new versions.
Ninth Wave Direct and Ninth Wave Connect operate on the same platform — so the same institution can offer commercial customers direct ERP connectivity and retail customers permissioned data sharing without managing two separate vendors.
Ninth Wave Compass analyzes your institution’s API environment and generates step-by-step integration guidance automatically, compressing the time from customer onboarding request to live data feed.
Ninth Wave Managed Services provides hands-on implementation, customer onboarding, and ongoing operational support — so your team focuses on the commercial relationship, not the technical infrastructure.
The integration is presented to your business banking customers under your institution’s brand, with your institution managing the customer relationship and consent at every step.
