Skip to main content
Nerve Centre KPIs · Audit Profile · Sentiment Settings The questions an SMB founder / finance lead asks at 9am on Monday: did yesterday’s storefront orders and PSP payouts land in Xero as sales invoices + bank transactions, is the bank reconciliation current enough that the books are trustworthy, is AR aging concentrating on customers still placing new ecom orders, and is the VAT (UK MTD) / GST (AU/NZ) return on track. Cross-references the ecommerce platforms (BigCommerce / Adobe Commerce / Shopify) and the PSPs (Stripe / PayPal) - an order with no matching Xero invoice, a payout with no matching bank transaction, or overdue AR on a still-shipping customer are the killer reconciliation findings no single tool can see.

​
What this audit checks

​
Authentication & access

  • OAuth2 refresh-token grant against https://identity.xero.com/connect/token succeeds (Xero rotates the refresh token every cycle - persist the new value)
  • GET https://api.xero.com/connections returns >=1 tenantId, and the configured tenant_id is still in the connected set (org not disconnected)
  • Granted scopes cover accounting.transactions + accounting.contacts + accounting.settings + accounting.reports.read (missing scope = silent empty reads)
  • GET /api.xro/2.0/Organisation returns the tenant without 401 (bad token) or 403 (tenant header missing / wrong) - confirms base currency + tax period config

​
Order-to-books & revenue recognition

  • ACCREC (sales) invoices stuck in DRAFT / SUBMITTED beyond the close cadence - invoicing backlog before authorisation
  • Storefront orders with no matching Xero ACCREC invoice after the sync window (revenue not recognised in the books)
  • Sales invoices missing TotalTax on VAT/GST-eligible lines - return base understated, MTD/GST non-compliant
  • Credit-note (ACCRECCREDIT) value as a share of sales-invoice value above threshold - returns / fulfilment quality problem

​
Bank reconciliation & cash integrity

  • BankTransaction rows with IsReconciled=false above the unreconciled-count threshold (books drift from cash)
  • Oldest unreconciled bank line older than the recon cadence (default 14d) - VAT/GST return base unreliable
  • PSP payout (Stripe / PayPal settlement) with no matching Xero bank transaction after the sync window
  • Bank-account feed stale - no new BankTransaction in N days on an account with expected daily activity

​
AR aging & receivables economics

  • AR aged 60+ days above 15% of total AR balance (from Reports/AgedReceivablesByContact)
  • Days Sales Outstanding (DSO) above 60 days
  • Overdue ACCREC invoice value (past DueDate, AmountDue > 0) above threshold
  • Single contact concentration - one customer above N% of total outstanding AR (credit concentration risk)

​
Cross-channel: Xero vs ecommerce / payments reconciliation

  • Storefront order has no matching Xero ACCREC invoice after the sync window (sibling = bigcommerce.order / shopify.order / adobe_commerce.order, by Reference / order_reference)
  • PSP payout has no matching Xero bank transaction, or the matched line stays IsReconciled=false (sibling = stripe.payout / paypal.payout, by Reference=payout_id)
  • Ecom customer with completed orders absent from Xero contacts after 7d (sibling = bigcommerce.customer / shopify.customer, by EmailAddress)
  • Contact with AR aged 60+ days still placing new ecom orders (credit risk compounding, sibling = ecommerce customer by EmailAddress)
  • Xero tracked-inventory QuantityOnHand drifts >5% from storefront available qty on items with active orders (sibling = ecommerce product, by Code=sku; tracked inventory only)

​
Data sources

  • GET https://identity.xero.com/connect/token - OAuth2 refresh-token grant (rotating refresh token)
  • GET https://api.xero.com/connections - List connected tenants - tenantId for the Xero-tenant-id header
  • GET /api.xro/2.0/Organisation - Auth / tenant validation probe + tax period config
  • GET /api.xro/2.0/Invoices - ACCREC/ACCPAY invoices - revenue, AR balance, overdue, order-to-books match
  • GET /api.xro/2.0/Contacts - Contact master - customers/suppliers, tax number, master drift
  • GET /api.xro/2.0/BankTransactions - Bank transactions - reconciliation status, payout matching
  • GET /api.xro/2.0/Accounts - Chart of accounts - bank balances, tax types
  • GET /api.xro/2.0/Items - Products & services - Code (SKU), tracked-inventory QuantityOnHand
  • GET /api.xro/2.0/Reports/AgedReceivablesByContact - Aged receivables - AR aging buckets, DSO basis
  • GET /api.xro/2.0/Reports/BalanceSheet - Balance sheet - cash / receivables / payables snapshot for health score