JAX

JAX (Just Ask Xero) is Xero’s native reconciliation intelligence, surfaced on the Reconcile tab. When a bank statement line arrives via the bank feed, JAX analyses it against open invoices, bills, and transaction history, then proposes a match. On consistent data — regular payroll, familiar supplier references, direct debits — it handles roughly 80% of lines without input. The rest are queued for review.

What JAX Does and Doesn’t Do

JAX operates inside Xero. It reads the ledger, applies its matching logic, and on commit writes the reconciliation record into Xero’s database — clearing the line from the Reconcile tab and marking the corresponding invoice paid.

This differs from external AI tools. The Xero API cannot reconcile bank statement lines by design — it can read them but has no endpoint to match and clear them. Xero’s MCP server is similarly read-and-create only. For machine-driven reconciliation without clicking each line, JAX is the only supported path. External AI must either propose matches for a human to confirm or route via manual journals — slower, with bank lines staying uncleared.

For a small UK business, JAX on routine lines — a £1,200 BACS payment matching one invoice — compresses a weekly chore into minutes. It is less reliable on split transactions or a single net payment covering several invoices.