Xero Ltd is a New Zealand-based company. It provides an online accounting system, which is a cloud platform, designed for small business. The Company�s product integrates small business with their customers, banks, payment services, tax authorities and accountants. Its cloud platform approach allows market business applications, such as Expensify, ADP, PayPal, Stripe and Bill.com, to integrate major financial institutions, such as City National Bank, to feed transactions directly into the ledgers of Xero users. Xero is hosted in the cloud and delivered to its customers via a Software-as-a-Service (SaaS) model. It is accessible anywhere there is Internet or wireless connection. With online accounting software, such as Xero, nothing needs to be downloaded or installed. The Company offers free, unlimited around-the-clock e-mail support and a online help center. It provides free reporting and practice management software to its partners runs an accounting practice or bookkeeping business.