Run the whole business from one login.
Books, payroll, rosters and BAS for Australian small business. Entered once, filed everywhere.
STP Phase 2 lodgement launches with our ATO Digital Service Provider registration, which is in progress.
Real product screenshot, Suite v15.1 · demo company data
- Books, payroll and rosters in one login
- 4,193 bank lines, coded in one sitting
- The next 12 decisions cover $348,665
- Super tracked to the business day, per payday
- STP Phase 2 built in
- BAS from the ledger, not a spreadsheet
- AUD, GST included, no lock-in
Payroll, done properly
Paid once. Filed everywhere it belongs.
$187.60
One Saturday shift at Coastline Coffee Supply, entered once.
$153.60
To Mia
Net to bank, Thursday night
$34.00
To the ATO
PAYG withheld, on the BAS at W2
$22.51
To her super fund
On top of gross, due in 7 business days
The payslip, the balanced journal, the BAS labels and the super deadline all come from that one entry. Nothing is re-typed, so nothing drifts.
See it work
The software, not a sales deck.
Five moments from the same demo business, Coastline Coffee Supply. Click through the first one yourself.
Bank reconciliation
Click Reconcile and watch it post.
A real bank feed with Pulse’s suggested matches. Nothing you click here leaves your browser.
Open the bank feed3 to review
Payment of INV# 343
+$8,157.61
28/07/2026CREDITEveryday Business
Pulse · high confidence96%Only open document at this exact amount
INV-0035
Smith Electrical Pty Ltd
Amount exactly matches INV-0035Payment date is 14 days awayBUNNINGS WAREHOUSE 4103
$184.50
28/07/2026DEBITBusiness Visa
Ready to settle98%Repairs & Maintenance
GST $16.77 · coded by a rule you taught
Transfer to 771-450 112260102
$2,447.28
28/07/2026DEBITEveryday Business
No match found, click to review
Bulk coding
The next 12 decisions cover $348,665.
4,193 lines, grouped by merchant. Code the group once and every line inside it is decided.
See bulk coding4,193 lines uncoded
62% of the value decided
$462,605 still to code · 62% of the value decided
Bunnings Warehouse
84 lines, one decision
$68,420
Officeworks
52 lines, one decision
$41,150
Woolworths Metro
61 lines, one decision
$33,780
Payroll ledger
One pay run, one balanced journal.
Wages, PAYG and super: 210.11 in debits meets 210.11 in credits the moment the pay run is finalised.
See payrollMia Chen
Casual · Level 2 · MA000003
Saturday shift
6.0 hrs @ Saturday penalty
$187.60
PAYG withheld
Share of this pay run
−$34.00
Net to bank
$153.60
Super guarantee
12% on top of gross · due within 7 business days
$22.51
210.11 in debits, 210.11 in credits, posted with the pay run
Roster to timesheet
The roster becomes the timesheet.
Mia’s Saturday shift, rostered once, clocked in, and ready for the pay run without anyone re-typing it.
See rostering| Staff | Mon | Tue | Wed | Thu | Fri | Sat | Sun |
|---|---|---|---|---|---|---|---|
| Sarah M. | |||||||
| Tom R. | |||||||
| Priya K. |
Employee self-service
Your team sees their own super.
The same ledger you see, from Mia’s side: with your employer, on its way, in your fund.
See the employee appSuper this pay
Shift worked Sat 01 Aug 2026
$22.51
Built for Australian law.
7
business days
The Payday Super window, tracked per payday against your state’s public holidays.
Pay run posted
Thu 6 Aug
Super calculated on qualifying earnings
Payment queued
Thu 6 Aug
$1,842.60 to 4 funds
Cleared by fund
Wed 12 Aug
Receipts stored with the pay run
Statutory deadline
Mon 17 Aug
7 business days after payday
In the fund 3 business days early, no super guarantee charge
12%
super guarantee
On qualifying earnings, on top of gross pay, calculated with every pay run.
STP Phase 2
Submissions accepted by the ATO’s test environment. DSP registration in progress.
Every figure traces to its journals.
The BAS builds straight from the ledger, so a review is reading the numbers, not rebuilding them.
G1 Total sales
GST-inclusive
$184,220
1A GST on sales
$16,747
1B GST on purchases
−$9,318
Net GST payable
$7,429
W1 Total salary, wages & other payments
This pay run
$187.60
W2 PAYG withheld
This pay run
$34.00
Every figure traces to its journals, 1,284 transactions reconciled
2 transactions coded to Suspense, review before lodging
Practice, not production.
Practise on Coastline Coffee Supply. Transactions are free. Configuration is frozen. Nothing leaves the building.
Security, by default.
- AU-hosted (AWS Sydney)
- Encrypted in transit and at rest
- Every request tenant-scoped in the API
- Audit-logged
FAQ
Questions, answered.
What is XAIO Business Suite?
XAIO is an all-in-one business platform for Australian small businesses. It combines accounting (invoices, bills, bank feeds, BAS preparation), payroll with STP Phase 2, rosters and timesheets, and Pulse AI insights, in one product with one login, instead of a patchwork of separate tools.
Is XAIO an alternative to Xero, MYOB or QuickBooks?
Yes. XAIO covers the accounting core you would expect, invoicing, bank reconciliation via open banking (CDR) feeds, GST and BAS reporting, and goes further by including payroll, rostering, employee self-service and an AI assistant in the same subscription, rather than as paid add-ons.
Does XAIO support Single Touch Payroll (STP Phase 2)?
Pay runs, PAYG withholding, superannuation and payslips are built in with ATO tax schedules. STP Phase 2 lodgement to the ATO launches with our ATO Digital Service Provider registration, which is in progress, register your interest and we will notify you the moment it is live.
Where is my data stored?
Your data is hosted in Australia (AWS Sydney, ap-southeast-2), encrypted in transit and at rest, with every request scoped to your business in our API, and regular backups.
How much does XAIO cost?
Plans are Grow $38, Pro $78 and Business Suite $118 per month, AUD including GST. Launch customers pay 50% of that for their first 24 months. Business Suite adds payroll employees in blocks of 10 for $20 a month. Grow is open now: start today and we set you up at the launch price. Pro and Business Suite open when payroll goes live with our ATO Digital Service Provider registration. No lock-in contracts.
Can I switch to XAIO mid financial year?
Yes. XAIO imports your contacts, chart of accounts and balances, including CSV exports from Xero, MYOB and QuickBooks, so you can switch without losing history or waiting for 30 June.
Stop entering everything twice.
From $38/month50% off for 24 months, then list price · AUD incl. GST · no lock-in
Grow $38 · Pro $78 · Business Suite $118
Grow is open now. Create an account, add your ABN, and your books are running on a 30-day trial with no card. Take full access from day one instead if you prefer. Pro and Business Suite open when payroll goes live with our ATO Digital Service Provider registration.
Everything happens once.