Xero's products are based on the software as a service (SaaS) model used in over 180 countries.

The Xero accounting software uses a single unified ledger, which allows users to work in the same set of books regardless of location or operating system.
The company have more than 200 secure connections with banks and financial service partners around the world. Other features include an API to integrate with external applications and the software have been integrated with over 800 third party apps, and more than 200 connections to financial service providers around the world.
Its features include automatic bank feeds, invoicing, accounts payable, expense claims, fixed asset depreciation, purchase orders, bank reconciliations, and standard business and management reporting.