Predictika · Subscription quotes
An AI sales agent prepares a monthly quote for a business subscription: the plan, how many invoices, bills, payroll people, expense users and project users it needs, the features it expects and the offer it wants. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published New Zealand plan table and returns a verdict, every reason, a line-item quote and the figures it computed.
This validator models monthly quotes for the Xero New Zealand subscription plans, using the plan table published on xero.com/nz, not just the scenarios shown below.
Any New Zealand plan quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: plans and prices in other countries, GST, partner and accountant pricing, third-party apps, online invoice payment fees, and any Xero product other than these four subscription plans. Assumptions: prices are in NZD excluding GST as published in October 2026 and may change; the monthly total is a list-price estimate for the regular price, and the introductory price is shown only for the plan price, as the offer terms say it does not apply to add-ons.
8 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch
Illustrative agent statement. The validator receives the structured request below.
Proposing agent: AI sales agent (scripted)
Before sending, the agent must call Recorded run
What this means
Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.
| What the validator caught | Typical rules-based CPQ | Predictika |
|---|---|---|
| Stated monthly totals that must equal what the published prices give | Only with care A stated figure is a free-entry field; a rule can compare it with a computed total, but the total depends on included users, per-person charges and the plan, which must be kept in step with the pricing page. | The stated total travels with the quote and is compared with the computed total on every call. |
| Included quantities with a different extra charge on each plan | Only with care A price rule per plan and per add-on (payroll, expenses, projects), each with its own included count and its own rate. It works, but every pricing change is another rule to edit. | Included counts and rates are looked up from the plan and each add-on is priced and totaled together. |
| Moving to a cheaper plan only one month after upgrading | Only with workarounds The rule depends on when the customer last upgraded, which is not on the quote, so it needs an extra field and a rule that nothing in the product structure prompts a rep to fill in. | The months since upgrading travel with the request and are checked with the rest. |
| An offer for a first organisation only, applied to the plan price but not to add-ons | Only with workarounds The eligibility depends on the customer's history and the discount must be limited to one line of the quote, so it needs a cross-line rule that interacts with the other price rules. | Eligibility and the plan-only discount are checked in the same pass as the totals. |
| Every problem returned in one answer | Only with workarounds Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next. | All findings come back together, whatever order the choices arrived in. |
Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.
| 1 | The quote sends 21 invoices a month; this plan allows 20. |
| 2 | The quote enters 6 bills a month; this plan allows 5. |
| 3 | The quote includes expense claims for 1 users, but the Ignite plan does not include expense claims. |
| 4 | The quote includes customized performance dashboards, which are not part of the Ignite plan. |
| 5 | The quote includes project tracking for 2 users, but project tracking is included only in the Ultimate plan. |
| 6 | The quote includes multiple currencies, which are available from the Comprehensive plan. |
| 7 | The quote includes KPI and ratio analysis, which is included only in the Ultimate plan. |
| 8 | The quote includes industry benchmarking, which is included only in the Ultimate plan. |
| 9 | The quote asks for 4 budgets; this plan allows 3. |
| 10 | The quote asks for a 31 day cash flow forecast; this plan allows 30 days. |
| 11 | The quote moves to a less expensive plan 0 months after upgrading; Xero allows this 1 month after upgrading. |
| 12 | The 80 percent introductory offer is for a first organisation bought on xero.com; this quote is for a further organisation. |
| 13 | The quote states a regular monthly total of $88.00; the list prices give $89.00. |
| 14 | A discount other than the published introductory offer is not part of the published prices; a person should confirm it. |
The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.
The agent's request. Please quote a monthly Xero subscription on the Ignite plan for a business that sends 45 invoices and enters 30 bills a month, with payroll for 8 people, expense claims for 3 users, multiple currencies, 3 budgets and a 90 day cash flow forecast. The quote states a regular monthly total of $52.00 (NZD, excluding GST). It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a monthly Xero subscription on the Comprehensive plan for a business that sends 45 invoices and enters 30 bills a month, with payroll for 8 people, expense claims for 3 users, multiple currencies, 3 budgets and a 90 day cash flow forecast. The quote states a regular monthly total of $129.00 (NZD, excluding GST). It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a monthly Xero subscription on the Grow plan for a business that sends 120 invoices and enters 90 bills a month, with payroll for 14 people, expense claims for 12 users, project tracking for 12 users, multiple currencies, KPI and ratio analysis and a 180 day cash flow forecast. The quote states a regular monthly total of $196.00 (NZD, excluding GST). It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a monthly Xero subscription on the Comprehensive plan for a business that sends 120 invoices and enters 90 bills a month, with payroll for 14 people, expense claims for 12 users, project tracking for 12 users, multiple currencies, KPI and ratio analysis and a 180 day cash flow forecast. The quote states a regular monthly total of $202.00 (NZD, excluding GST). It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a monthly Xero subscription on the Ultimate plan for a business that sends 120 invoices and enters 90 bills a month, with payroll for 14 people, expense claims for 12 users, project tracking for 12 users, multiple currencies, KPI and ratio analysis and a 180 day cash flow forecast. The quote states a regular monthly total of $167.00 (NZD, excluding GST). It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a monthly Xero subscription on the Grow plan for a business that sends 60 invoices and enters 35 bills a month, with payroll for 4 people, expense claims for 2 users and a 60 day cash flow forecast. The customer is moving to this plan from a more expensive one 0 months after upgrading, for a further organisation, and wants the 80 percent introductory offer. The quote states a regular monthly total of $102.00 (NZD, excluding GST). It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a monthly Xero subscription on the Grow plan for a business that sends 60 invoices and enters 35 bills a month, with payroll for 4 people, expense claims for 2 users and a 60 day cash flow forecast. The customer is moving to this plan from a more expensive one 2 months after upgrading, at list prices without the introductory offer. The customer also asks for a discount beyond the published offer. The quote states a regular monthly total of $106.00 (NZD, excluding GST). It is ready to send.
Verdict: Needs approval.
The agent's request. Please quote a monthly Xero subscription on the Grow plan for a business that sends 60 invoices and enters 35 bills a month, with payroll for 4 people, expense claims for 2 users and a 60 day cash flow forecast. The customer is moving to this plan from a more expensive one 2 months after upgrading, at list prices without the introductory offer or any extra discount. The quote states a regular monthly total of $106.00 (NZD, excluding GST). It is ready to send.
Verdict: Allowed.
The text of the narrated walkthrough, step by step.