Xero is an accounting software that is designed to help businesses track their bills and pay them on time, which can help maintain a high credit rating. One of the key features of Xero is the ability to schedule payments and store all bills in one place, making it easy to stay organized and avoid missing any payments. Additionally, Xero offers automatic bank feeds to ensure that businesses have sufficient funds available to cover their payments. These features make Xero a useful tool for businesses looking to manage their financial obligations effectively.