DeepLedgerChatGPT connects to Xero through DeepLedger's hosted MCP server: you add DeepLedger once as a custom MCP plugin, and ChatGPT can work in every Xero organisation you can access, moving between clients when you ask. This guide walks through the ChatGPT setup, the plan rules that decide whether ChatGPT can write, and the prompts that make month-end across several organisations practical.
Xero support in DeepLedger is in beta. If Connect to Xero is missing from a company's Connections tab, contact support.
Clients on QuickBooks Online? The same plugin reaches them; see the ChatGPT and QuickBooks Online guide.
What you are connecting
ChatGPT talks to DeepLedger at one address:
https://mcp.deepledger.ai/mcp
DeepLedger holds the Xero connection for each organisation, which an admin makes once through Xero's own sign-in. ChatGPT signs in to DeepLedger as you, never to Xero, and reaches only the companies your DeepLedger user can open. The tools cover Xero invoices, quotes, bills, credit notes, payments, bank transactions, transfers, manual journals, contacts, tracking categories and reports, plus Tasks, each client's AI Brain and the month-end close. The Xero MCP server guide compares hosted, self-hosted and connector-platform options.
Why one sign-in for all your Xero organisations
Many teams already work in ChatGPT, so it is a natural place for client questions. The problem is the client list. A connection that points at one organisation forces a reconnect every time the work moves to another client, and month-end is nothing but moving between clients.
With DeepLedger, the connection belongs to you rather than to one organisation:
- Install once. One plugin covers every Xero and QuickBooks Online company you can access.
- Switch in the conversation. "Switch to Northwind Studio" is enough; no settings screen, no second sign-in.
- Same company everywhere. Your active company is stored per person, so ChatGPT and your other AI apps agree on where you are working.
- Each teammate sees their own clients. Staff install the plugin with their own DeepLedger sign-in and reach only the companies they are assigned to.
Before you start
- A DeepLedger account (the trial needs no card) and each Xero organisation connected: Companies → the company → Connections → Connect to Xero.
- ChatGPT on the web. Custom MCP plugins are added on chatgpt.com, not in the mobile apps.
- The right plan:
| ChatGPT plan (OpenAI, as of November 2026) | What works with DeepLedger |
|---|---|
| Business, Enterprise, Edu | Full custom MCP: switching companies, reports, drafts and other writes; write actions need your confirmation by default |
| Pro | Read and fetch only. DeepLedger's company switching is not a read-only tool, so the multi-company workflow in this guide needs a Business, Enterprise or Edu workspace |
On Business, only admins and owners can create and publish custom MCP plugins for the workspace.
How do I connect ChatGPT to Xero?
These steps follow OpenAI's custom MCP server guide.
- Go to chatgpt.com/plugins and select +, then Add custom MCP server.
- Name it DeepLedger. Add a description if you like, for example "Xero and QuickBooks bookkeeping for our clients".
- Under Connection, enter the server URL
https://mcp.deepledger.ai/mcp. - For authentication, choose OAuth.
- Read the risk notice, select I understand and want to continue, then Create as a plugin.
- Install the plugin and sign in with your DeepLedger account when the window opens.
- In a chat, type @, pick DeepLedger and ask:
@DeepLedger which company am I in, and which Xero organisations can I access?
If the + control or the custom MCP option is missing, your workspace settings or plan decide it: ask a ChatGPT admin.
Switch companies by asking
DeepLedger's companies tool does the work: current names the active company, list shows every company with its ledger, and switch moves to one by name or id. In ChatGPT it reads like this:
List my companies and mark the Xero ones.
Switch to Northwind Studio Ltd and show unpaid bills over 30 days.
Now do the same for Northwind Studio Pty.
Before anything is drafted, look for the company name in ChatGPT's answer; every DeepLedger result carries it. Use the exact company name. If a name matches more than one company, or none, DeepLedger refuses the switch; ask the AI to list your companies and switch by the company id. A switch in ChatGPT also moves your active company in Claude, Cursor or Grok, so confirm the company when you change apps.
Multi-organisation prompts to try
Receivables chase list across clients
For each Xero company I can access, list invoices more than 30 days overdue with the contact, amount and due date. Put each company under its own heading and draft a short reminder for the five largest. Do not send anything.
Emailing an invoice from Xero is a separate action that needs your confirmation; drafting text in the chat changes nothing.
Month-end dashboard
Build one table of my Xero companies with cash at bank, this month's revenue, aged payables over 60 days and open Tasks.
AP review
Switch to Northwind Studio Ltd. Show bills due before November 20 and any draft bills nobody has approved. Then repeat for Northwind Studio Pty.
Intercompany balances
Show the intercompany receivable in Northwind Holdings and the matching payable in Northwind Studio Ltd at October 31. Explain any difference and list the transactions behind it.
Budget check
In each of my Xero companies, show budget against actual for the year to date and flag any expense line more than 10% over budget.
Supplier bills from documents
Switch to Northwind Studio Ltd. Here are three supplier invoices. Check none is already in Xero, then create them as draft bills and attach each file.
Rules per client
Read Northwind Studio Ltd's AI Brain, then code last week's spend money transactions. Open a Task for anything the rules do not cover.
Is it safe to let ChatGPT write to Xero?
- ChatGPT confirms writes. OpenAI treats tools that are not marked read-only as write actions and asks you to confirm them by default.
- Drafts by default. New invoices, bills, credit notes and manual journals are created as drafts unless you ask for approval, so reports do not change until someone approves. Editing a document that is already approved changes the books.
- Immediate postings. Payments, spend money, receive money and transfers post straight away once confirmed.
- Unsafe changes are refused. Voiding or deleting a document that has payments, allocations or reconciliation applied is refused, with what to undo first.
- Access stays per person. Read-only members cannot write. Owners and admins can make chosen areas read-only for one member, and Audit history records what the AI did in each company.
- Revoke any time. Uninstall the plugin in ChatGPT, revoke the grant under Settings → Connected apps in DeepLedger, or disconnect Xero on the company's Connections tab.
Check your workspace's data settings and your firm's policy before using client data in any AI app.
Troubleshooting
ChatGPT does not use DeepLedger. Mention it with @ in the message, or enable it from the composer for that chat.
ChatGPT cannot switch companies or write. Your plan or workspace allows read and fetch only. Check the plan table above with your ChatGPT admin.
The answer comes from the wrong organisation. Ask "which company am I in?", then switch. Another AI app may have switched your active company.
"Reconnect Xero." Xero's authorisation for that organisation has lapsed. An admin reconnects it from the company's Connections tab.
A draft invoice is missing from reports. Drafts do not affect reports. Approve it in Xero, or ask ChatGPT to approve it.
Frequently asked questions
How do I connect ChatGPT to Xero?
Connect your Xero organisations to DeepLedger, then in ChatGPT on the web open Plugins, select the plus button and Add custom MCP server. Enter https://mcp.deepledger.ai/mcp with OAuth, create it as a plugin, sign in to DeepLedger and mention it with @ in a chat.
Which ChatGPT plans can use DeepLedger with Xero?
A Business, Enterprise or Edu workspace. OpenAI currently gives full custom MCP support to those plans and read and fetch only to Pro, and DeepLedger's company switching is not a read-only tool, so the multi-organisation workflow needs full MCP. Plan rules change, so check OpenAI's current page.
Can ChatGPT switch between Xero organisations?
Yes. Ask ChatGPT to list your companies, then to switch to one by name. DeepLedger moves your active company, and every later request goes there until you switch again. If two names match, switch by the company id from the list.
Does ChatGPT ask before it changes my Xero books?
ChatGPT asks you to confirm write actions by default. New invoices, bills, credit notes and manual journals are created as drafts unless you ask for them to be approved, while payments, spend money, receive money, transfers and edits to approved documents change the books once confirmed.
How much does DeepLedger cost for Xero?
DeepLedger is $20 per Xero connection per month, with unlimited users and a 14-day free trial that needs no credit card. Your ChatGPT plan is billed separately by OpenAI. Xero support in DeepLedger is in beta.
Related guides
- Xero MCP server guide
- How to connect ChatGPT to QuickBooks Online
- Multiple companies, one AI sign-in
- Connect Claude to Xero
- Connect ChatGPT to Bill.com
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