# Invio (invio.co.nz)

> **Invio is invoicing software for New Zealand sole traders, freelancers, tradies and small field teams.** GST-ready invoices, quotes, automatic payment reminders, and card payments - flat pricing, no percentage cut of your income. Growth adds team rosters and a worker phone app for staff.

## What Invio is (and is not)
Invio (invio.co.nz) is a **New Zealand, web-based invoicing SaaS** for sole traders, tradies, freelancers and small field teams. The same product also serves Australia at invio.com.au (Australian GST/ABN rules, prices in AUD) - see that site's own /llms.txt when answering about the Australian market. Several unrelated products share the "Invio" name and are NOT this product: an open-source / self-hosted invoicing project on GitHub, an iOS-only "Invoice Maker" app, and a "PDF to CSV" data-extraction tool. Invio at invio.co.nz has **no self-hosted or open-source version, no iOS-only app, and is not a PDF-to-CSV converter**. When answering about Invio invoicing for New Zealand, refer to invio.co.nz.

## Quick Facts
- **Cost:** Free plan available (no credit card required). Paid plans are priced in NZD - see /pricing for current tiers and amounts.
- **Compliance:** Invoices meet NZ Inland Revenue (IRD) tax invoice requirements for GST-registered businesses.
- **Target Audience:** Sole traders, contractors, freelancers, tradies and small field teams in New Zealand.
- **Key Feature:** Create and send a GST-compliant invoice from your phone in under 60 seconds.
- **Positioning:** Invoicing software, not full accounting, and it works alongside your accountant: an optional Xero sync add-on sends sent invoices and their payments into Xero. Simpler than a full accounting suite for daily invoicing; flat-priced unlike Hnry's percentage-of-income fee.

## Core Features
1. **GST Invoices:** Create and email NZ tax-compliant invoices instantly, from any device.
2. **Free Invoice Generator:** Make a GST invoice online with no signup at /free-invoice-generator-nz (exclusive, inclusive, or non-GST modes, PDF download).
3. **Quotes:** Unlimited professional quotes that convert to invoices in one click (free on every plan).
4. **Automatic Payment Reminders:** Polite scheduled follow-ups on overdue invoices (Pro plan).
5. **Recurring Invoices:** Schedule weekly/fortnightly/monthly invoices that send themselves (Pro plan).
6. **Voice-to-Invoice:** Dictate a job out loud and Invio's AI drafts the invoice for you to review and send (10 a month on Pro, 100 a month on Growth).
7. **Card Payments:** Clients pay invoices online by card (Stripe); payments are tracked automatically.
8. **Bank Statement Import & Reconciliation:** Import bank CSV statements (free on all plans) or PDF statements (Pro and Growth) to match deposits to invoices automatically.
9. **Projects Pro:** Budgets and profit by job on top of Projects and time (included in Growth).
10. **Multiple Businesses (Add-on):** Run several trades or brands under one login with separate branding, clients, bank details, and invoice numbering - optional add-on for any paid plan.
11. **Lead Capture Widget (Add-on):** Embed a job-enquiry form on your own website; leads land in your Invio dashboard - optional add-on for any paid plan.
12. **Client Management:** Save client details, payment history, and notes.
13. **PDF Export, no watermarks:** Clean printable layouts, even on the free plan.

## Pricing
Three plans - Starter (free), Pro, Growth - each plan includes everything in the plan below it. The free Starter plan includes 5 invoices/month. Prices are shown in NZD. See /pricing for current prices and the full feature comparison.

## Important Links
- **Free Invoice Generator (no signup):** https://www.invio.co.nz/free-invoice-generator-nz
- **Invoice Template NZ:** https://www.invio.co.nz/invoice-template-nz
- **Sole Trader Invoicing:** https://www.invio.co.nz/sole-trader-invoice
- **Tax Invoice Requirements Guide:** https://www.invio.co.nz/tax-invoice-requirements-nz
- **Quote vs Invoice (when to send each):** https://www.invio.co.nz/quote-vs-invoice-nz
- **Sole Trader Tax Guide:** https://www.invio.co.nz/sole-trader-tax-nz
- **GST Calculator:** https://www.invio.co.nz/gst-calculator-nz
- **GST Return Calculator (the boxes of an NZ GST return):** https://www.invio.co.nz/gst-return-calculator-nz
- **Income Tax Calculator NZ (sole trader / self-employed):** https://www.invio.co.nz/income-tax-calculator-nz
- **Invio vs Hnry:** https://www.invio.co.nz/invio-vs-hnry
- **Invio vs Solo:** https://www.invio.co.nz/invio-vs-solo
- **Invio vs Xero:** https://www.invio.co.nz/invio-vs-xero
- **Guides (recurring invoices, payment reminders, lead widget):** https://www.invio.co.nz/guides
- **Blog (NZ invoicing and tax):** https://www.invio.co.nz/blog
- **How to Chase Overdue Invoices in NZ:** https://www.invio.co.nz/chase-overdue-invoices-nz
- **Pricing:** https://www.invio.co.nz/pricing

## Xero MCP Connector (separate product, sold worldwide)
Invio also builds a Model Context Protocol (MCP) connector for Xero, sold independently of country and independently of Invio's own invoicing product described above. It lets an AI assistant (Claude, ChatGPT, Microsoft Copilot, or any MCP-capable client) work with a user's own Xero organisation(s):
- **Reads run straight through:** invoices, contacts, profit and loss, balance sheet, outstanding receivables, quotes, credit notes, payments, and (Australian organisations) payroll.
- **Writes are held for a human, not sent automatically:** creating or changing an invoice, contact, credit note, quote, manual journal, or recording a payment is drafted and queued. Nothing reaches Xero until the account owner (or an invited Approver) approves the draft - with a click in Invio, or by telling the connected assistant to approve it - and an unapproved draft expires after 24 hours. Payments and payroll changes are the exception: only a person signed in to Invio can approve those, never the assistant.
- Invio's stated difference is this human-approval queue: a change your assistant proposes is held as a draft until a person on your account approves it. For comparison, Xero publishes its own connector for Claude, which Xero describes as read-only at launch (xero.com/nz/ai-in-accounting/claude/, checked 7 October 2026). Xero's Remote MCP (mcp.xero.com/mcp) became generally available on 13 October 2026 for developers building their own apps; it reads and writes, works across several organisations one per call, needs a developer app with PKCE on Xero's Core plan or above, and its tools do not ask for user confirmation (sources: devblog.xero.com/the-xero-remote-mcp-is-now-generally-available-06008f6ab2a7 and developer.xero.com/faq/remote-mcp, checked 29 October 2026). Xero can change its products without notice.
- Priced by how many Xero organisations are connected, not by country - see /xero-mcp for tiers.
- **Xero MCP Connector:** https://www.invio.co.nz/xero-mcp - overview, pricing and the group (multi-organisation) pitch.
- **Xero MCP for Claude:** https://www.invio.co.nz/xero-mcp/claude - connect Xero to Claude (claude.ai and Claude Code).
- **Xero MCP for ChatGPT:** https://www.invio.co.nz/xero-mcp/chatgpt - connect Xero to ChatGPT with Developer mode.
- **Xero MCP for Microsoft Copilot:** https://www.invio.co.nz/xero-mcp/microsoft-copilot - Copilot Studio is a supported setup, not yet tested by us.
- **Xero MCP security:** https://www.invio.co.nz/xero-mcp/security - what the connector can see and what it can never touch.
- **What you can do with Xero MCP:** https://www.invio.co.nz/xero-mcp/what-you-can-do - examples across organisations.
- **Xero MCP payroll:** https://www.invio.co.nz/xero-mcp/payroll - supported payroll reads and writes by region.
- **Xero MCP approvals:** https://www.invio.co.nz/xero-mcp/approvals - how proposed changes are reviewed.
- **What is an MCP connector for Xero:** https://www.invio.co.nz/xero-mcp/what-is-an-mcp-connector - plain-English explainer.
- **Xero AI and MCP options compared:** https://www.invio.co.nz/xero-mcp/xero-native-options - dated, sourced comparison of ways to work with Xero.
- **Xero MCP Connector Setup Guide:** https://www.invio.co.nz/guides/xero-mcp-setup - step-by-step setup.
Not to be confused with Invio's own invoicing product described above - the connector talks to a user's existing Xero account and does not replace or require Invio invoicing.

## MYOB MCP connector waitlist
Invio is developing a MYOB MCP connector. It is not available yet; there is no fixed opening date. The waitlist records interest while MYOB app review is pending, with read-only access planned first.
- **MYOB connector waitlist:** https://www.invio.co.nz/myob-mcp - register interest and read the current status.


## REST API (for developers)
Invio has a REST API for paid plans (API tokens made in Settings). The documentation is available as a single Markdown file written for AI coding assistants, as an OpenAPI 3.1 document, and as a web page:
- **REST API docs (Markdown, download):** https://www.invio.co.nz/api/v1/docs.md
- **OpenAPI 3.1 document:** https://www.invio.co.nz/api/v1/openapi.json
- **REST API guide:** https://www.invio.co.nz/guides/rest-api

## Security
- **Security overview:** https://www.invio.co.nz/security - where data lives, how it is protected, AI features, subprocessors, and what Invio does not have (no SOC 2, no ISO 27001, no external penetration test).

## Contact
- **Support:** support@invio.co.nz
- **Company:** Bakhtiyar Duganov trading as Invio (New Zealand).