Sole traders and landlords
£39a month
Every 3 months, an update to HMRC, and every cost needs its receipt.
- Each bill matched to its bank payment
- Bills added to Xero as drafts, receipt attached
- New supplier bank details flagged
Mo does your paperwork in the background.
For small companies on Xero, sole traders and landlords. He matches bills to bank payments and lists the receipts still missing. If a supplier’s bank details change, he holds the bill.
Built by David Randell, and tested on his own company’s books. Who built Mo
How it works
Three steps. The matching is his.
- 01
Connect Xero, once
You sign in on Xero’s own page. Then forward your bills and receipts to your own Stubzo address as they arrive.
- 02
Drop in your bank statement
Xero won’t share your bank lines with other apps. So once a week, you or your bookkeeper download them from Xero as a file and upload it here.
- 03
Say yes
Mo matches each bill to its payment. Say yes, and it goes into Xero as a draft, receipt attached. When he isn’t sure, he asks you first. Then in Xero you approve the draft and OK the match on the bank screen, as you do now.
Your partForward bills, upload the bank file once a week, tap yes.
His partFind each payment, attach the receipt, list what’s missing.
Works with Xero. QuickBooks and Sage: not yet.
Why not just Xero?
Xero can read bills you forward. It suggests bank matches too. That’s free on every UK business plan. If that’s enough for you, you don’t need Mo.
Mo is for the jobs around the match. He lists every payment still missing a receipt. He holds a bill when a supplier’s bank details change. He gives his reason for every answer. When he isn’t sure, he asks you first.
We haven’t tested Mo side by side with Xero’s own tools yet.
Proof
The scores, and how we got them.
Payments matched to billsIn testingOur own real books, 3 Nov: 35 of 37. His exam: 35 of 35, not a blind test.
Each payment gets its receipt; ones with none go on a list.
37 real calls on our company’s Xero, 3 Nov: where each bank line goes, and each open bill. Answers sealed first. Sure on 23, all right. Both misses, he wasn’t sure, so he asked first.
His exam is not a blind test: we used it to choose which version of him to keep, and we corrected its answer key after his first run. Practice, after his lessons: 104 of 104.
Bills from your inboxIn testingOur own inbox: 59 of 61 emails sorted right.
Forward bills to your own Stubzo address. Mo reads each one and keeps it ready for your yes. Never wrong when he said he was sure.
Bills added to XeroIn testingXero’s demo company: 5 of 5 written, each confirmed by Xero.
As a draft, with the paper attached. Approve it, and Xero offers the match. Yours stay drafts for you to approve.
New bank details flaggedIn testing93 of 93 right on a fresh practice set.
A supplier’s bank details change? Mo holds the bill and asks you to check by phone. The practice set was built from our real bills, with his newest lesson. Never wrong when he said he was sure.
Reminders for late payersIn testingXero’s demo company, day 1: 2 drafts right, 2 customers rightly not chased.
Mo checks the bank first, then drafts the reminder. You send it.
Every step on your dashboardBuiltChecked on Xero’s demo company.
What he read, matched and added, each with his reason.
His final exam, 30 NovNext69 bank matching questions. Pass or fail, we publish the result.
To pass, he must be sure on at least 46, and wrong at most once when sure.
Who built Mo
I’m David Randell. I built Mo on the books of my own company, NU LACE LIMITED, which runs Stubzo. When those books fell a month behind this autumn, Mo sorted them with me in one day: 34 bank lines, caught up on 3 Nov. He asked me about 12 of them, and I agreed with every answer he gave. Nothing went in wrong. Every score here comes from them, unless it says practice set or Xero’s demo company. Questions? [email protected] comes to me.
Who it’s for, and the price
Draft prices. Fixed before doors open on 4 Jan.
A few people from the list try Mo free in December. We’ll email you if you’re one of them. You see the price before you pay anything.
Small companies
£99a month
Every VAT quarter and year end, your accountant wants receipts.
- Everything for sole traders
- Reminders drafted for late payers
- Every step on your dashboard
Bookkeepers
£249a month
Mo matches for each client and lists the payments still missing a receipt.
Per client, or one price for all? Not set yet. Tell us what suits you: [email protected]
- Everything for small companies
- A list of payments still missing a receipt, per client
- You check his work instead of chasing paper
Prices are a draft until doors open on Mon 4 Jan. Every job joins only after it passes its own test.
The details
What Mo does. And where your files go.
Your usual software still sends your records to HMRC. Saved receipts stay with their payments in your Stubzo account, and you can download them all any time.
What he does
You stay in charge
- Your money stays put: every payment is yours to make.
- Your HMRC returns stay with your usual software.
- New suppliers are yours to add.
In Xero
- He adds bills and their receipts.
- A bill already in Xero gets its receipt attached, not a second copy.
- Account and VAT come from that supplier’s last bill in Xero.
Your say
- You approve every answer.
- You click OK on Xero’s bank screen, with the receipt ready.
- Disconnect Stubzo in Xero any time.
Your files
Stored
- Stored encrypted, in the UK, on our own machine for now.
On the way in
- Bills you forward pass through Resend, a US email service, which keeps them for 30 days.
- Mo will read them through the paid service of Anthropic, the US company behind Claude. Its terms: never used to train AI, deleted within 30 days.
Yours to take back
- Download them all, any time.
- Ask, and we delete everything, then tell you what we removed.
Waiting list
Be first to try Mo.
Join to get his 30 Nov result, pass or fail, then about one email a month. Here’s what happens next.
Free to join. No final price yet: you see it before you pay anything. We only email you Mo’s progress and your early access. One click to stop. Never sold or shared. If Stubzo doesn’t open, we delete your email. Privacy
- Me, David Randell. One person for now. Every email to [email protected] comes to me.
- If Stubzo closes, everything Mo added to Xero stays in your Xero. We email you first, so you can download the rest. Then we delete it.
- Mo’s final testPass or fail, we publish the result.
- Early accessA few people from the list try him free.
- Doors openYou see the price before you pay anything.
- Tax update dueYour update for 6 Oct to 5 Jan, if you’re on Making Tax Digital. Your accounting software still sends it.