Xero is a broad cloud accounting platform with its own AI. comma is Canadian books your own assistant can work in, where a person approves every posting.
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comma is built for Canadian corporations. There is no chat box inside the app. Your own Claude or ChatGPT connects to the books and can read and write, asking you before each write.
A built-in AI bookkeeper proposes categories and finds receipts. Nothing posts until a person reviews it.
Xero is a cloud accounting platform with unlimited users on every plan, an app marketplace and an AI layer called JAX.
Its JAX automatic bank reconciliation, in open beta, reconciles a bank line on its own when it is highly confident, and labels the method it used.
Nine rows. Where we could not find something in Xero’s documentation, the cell says so instead of guessing.
| comma | Xero | |
|---|---|---|
| AI assistant | comma Your own assistant, plus an AI bookkeeper There is no chat assistant inside the app. Connect Claude or ChatGPT to ask questions, draft and do real writes; it asks you before each one. A built-in AI bookkeeper (Pro and Premium) attaches receipts and proposes categories, transfers and matches. It never posts. | Xero JAX, built into Xero Xero’s media release calls JAX its AI financial superagent. Xero’s blog says JAX automatic bank reconciliation labels each reconciled line with the method used and shows its reasoning. Not found in their docs: Canadian availability of each JAX feature, and the wider list of JAX actions (invoices and quotes by message, document requests, anomaly flags), which this check could not re-confirm. |
| MCP / AI connector | comma Read and write, 190 tools An official remote MCP server for Claude, ChatGPT and any compatible client: 91 read tools and 99 write tools, 77 of them flagged so the assistant asks you first. Read-only on Basic, read and write on Pro and Premium.
It records payments; it never moves money. Bank linking, people, billing and permanent delete stay in the browser. | Xero Two official routes: a read-only Claude connector and a developer MCP Claude connector (announced 12 May 2026): Xero’s pages say Claude can read data and answer questions but cannot edit invoices, post transactions or change the books. It needs an active Xero subscription and a Claude account, and Xero does not charge for it. Developer Remote MCP: Xero’s FAQ says it works with any MCP-compatible client, offers tools that read and write Xero data, takes one organisation per tool call, does not itself ask for confirmation before writes, and is included on developer plans Core and above (Starter: demo organisation only). Not found in their docs: the developer MCP’s tool count (third-party directories disagree), its endpoint and general-availability status, ChatGPT and Microsoft 365 integration details, and whether the Claude connector is available to Canadian organisations (a Canadian page exists; its content was not read). |
| Automatic AI transaction handling | comma Proposes, never posts No rules engine and no auto-posting. On each unreviewed bank row the AI bookkeeper (Pro and Premium) or your assistant proposes a category, a transfer or an invoice or bill match. Proposals carry an AI marker and can be filtered. Your tick on review is what books the entry. | Xero Reconciles on its own when confident, in open beta JAX automatic bank reconciliation reviews new statement lines using Rule, Match, Memory and Prediction methods and reconciles a line only when highly confident, labelling each line with the method. The subscriber or an advisor user turns it on or off per bank account. Plan gating varies by region: Grow and above in some regions, Growing and above in the US, and a paid add-on for Ignite or Simple subscribers. Not found in their docs: Canadian plan gating and transfer detection. |
| Email inbox receipt matching | comma Searches Gmail and Outlook Premium companies connect Gmail or Outlook, read-only. The AI bookkeeper or your assistant searches by sender, terms and dates, imports PDF and image attachments, and attaches the receipt to a transaction. That attachment waits for you to confirm or detach. Emails with no attachment are left for a person. There is no forward-to-email address. | Xero Hubdoc document capture Hubdoc takes documents by mobile photo, upload, email or scanner. Not found in their docs: which Canadian plans include Hubdoc and Smart Document Capture, searching a connected Gmail or Outlook inbox to find and match receipts, matching a late-arriving receipt, and missing-receipt detection. |
| iOS app | comma iPhone and iPad app A native iPhone and iPad app: review bank lines, capture receipts with the camera, invoices, bills, statements, reconciliation and search. It needs iOS 27. Its store listing is not confirmed on this page, so check before you count on it. Plans and billing are web-only. There is no Android app. | Xero Xero Accounting, for iPhone and iPad Listed on Apple’s App Store as Xero Accounting (id 441880705). The listing describes creating invoices and adding receipts. Not found in their docs: the minimum iOS version (search excerpts disagree), a rating published by Apple, reconciling bank transactions on mobile, and what the app leaves to the web. |
| Multiple companies | comma One account, several companies One billing account holds several companies, each with its own ledger, currency, roles and audit trail. Every plan includes one company; each extra company is a paid add-on. Intercompany checks are on Premium. There are no consolidated financial statements. | Xero One subscription per organisation Each organisation is its own subscription; one login can hold several organisations. Not found in their docs: a multi-organisation discount and consolidated reporting. |
| Canada | comma Canada only Built for Canadian corporations: GST/HST on documents, a GST/HST return worksheet (regular method only), GIFI account mapping for the year-end handoff, and Canadian bank feeds. Books in CAD; USD bank and card accounts on Pro and Premium. There are no foreign-currency invoices or bills. | Xero Canadian edition, priced in CAD Wagepoint, a payroll app, is listed in the Xero App Store for Canada. Not found in their docs: sales tax reports for Canadian taxes and named direct bank feeds (not re-confirmed in this check), native Canadian payroll, and CRA form support. |
| Other features | comma Core double-entry books Invoices, credit notes, customer statements, bills, journals, bank reconciliation, reports, audit log and year close. Four roles; invited users pay nothing. Not in comma: inventory, projects, time tracking, quotes, recurring invoices, online invoice payments or an app marketplace. | Xero A broader platform Invoicing and quotes, bills, bank reconciliation, multi-currency on the top plan, unlimited users, the Xero App Store and partner plans such as Ledger. Not found in their docs: add-on names and prices, cash-flow forecast windows and dashboard details, which this check could not re-confirm. |
| Pricing | comma Per company, not per user
CAD a month, or billed annually. Taxes extra. One company included; extra companies are an add-on priced by plan. No free plan; the trial needs a card. If a subscription lapses, the books become read-only and exportable, not deleted. | Xero Per organisation, unlimited users
CAD a month, per organisation, before tax. List prices as shown on their pages on 10 November 2026. Prices change, so confirm on the live page. Xero’s partner update says Standard and Premium rose from $55 and $75 on 1 April 2026. Unlimited users on every plan. Not found in their docs: a confirmed Starter price and the current new-customer promotion (search excerpts showed figures this check could not confirm), Starter invoice and bill limits, and free-trial length. |
Your assistant wants to use comma
comma_invoice_send
Invoice INV-0042 · Northwind Supply
$4,200.00 CAD · due in 30 days
91
read tools
99
write tools
77
ask first
Dashedproposed by AISolidbooked
Connected mailbox · read-only
billing@northwindhosting.example
Your March receipt · receipt-0312.pdf
Northwind Hosting
12 Mar · read by AI
This page is comma’s perspective. Verify before you decide. Xero claims and list prices were checked on 10 November 2026. We could not open Xero’s pages directly during this check. The Xero column rests on search-result excerpts of the pages below, so confirm each point on the live page.