The Invoice Collection Problem Isn't That Customers Won't Pay — It's That You Keep Having to Ask
Every recurring invoice you send manually is a moment where cash collection depends on someone remembering to act. Win! AutoPay removes that dependency entirely. Your customer saves their payment method once. Every invoice you raise in Xero or QuickBooks Online — now and from that day forward — charges automatically the moment it's issued. No asking. No chasing. No waiting.
30-day free trial · No credit card required
Why most businesses haven't solved this yet
QuickBooks and Xero are excellent at creating invoices. They were never designed to collect them automatically. Stripe is excellent at processing cards. It doesn't know about your invoices. Win! was built specifically to be the bridge — reading invoices from your accounting platform and automatically charging the saved payment method in Stripe the moment each invoice is raised. It's a narrow problem. Win! solves it completely.
How Win! AutoPay works
You send an AutoPay enrollment link
From your Win! dashboard, send any client a branded AutoPay enrollment email in one click. The email explains what autopay means and links to a secure Stripe-hosted checkout page. Most clients enroll in under two minutes.
Customer saves a card or bank account — once
The client clicks the link and saves their payment method — Visa, Mastercard, Amex, or ACH bank account. Stripe handles all card data securely under PCI-DSS. You never see raw card numbers. The customer never enters details again.
You issue invoices exactly as you do today
Create invoices in Xero or QuickBooks Online as you always have. Win! monitors for new authorised invoices in real time. Nothing in your workflow changes — you don't touch Win! again after the client is enrolled.
Win! charges automatically — books update within seconds
The moment Win! sees a new invoice for an enrolled customer, it initiates a charge to their saved payment method. Payment succeeds, the invoice is marked paid in Xero or QuickBooks within seconds, and the customer receives a branded receipt automatically.
What AutoPay does for your business
AutoPay is the single highest-leverage change any invoicing business can make to its cash flow. The results are immediate and measurable.
DSO drops to near-zero for enrolled clients
Average payment time for AutoPay-enrolled customers is same-day or next-day, depending on the payment method. The industry average for manually-billed clients is 35–45 days. That's 35+ days of float you stop giving away.
Payment method secured by Stripe — not by you
Win! uses Stripe Setup Intents to securely tokenize payment methods. Card data never touches your servers. Stripe's PCI-DSS Level 1 compliance covers the entire stored-card infrastructure. You carry none of the compliance burden.
Card or bank account — your customer's choice
AutoPay works with credit cards, debit cards, and ACH bank accounts. For high-value invoices, ACH is dramatically cheaper — under $5 vs 2.9% on card. Customers pick what works for them; you get paid either way.
Failed payments retried automatically — you're always informed
If a charge fails — insufficient funds, expired card — Win! retries on a schedule and notifies both you and the customer with a link to update their payment method. You always know the status of every AutoPay attempt in real time.
Best fit: recurring billing where chasing is predictable waste
AutoPay is especially powerful when you know you'll invoice the same client again next month — and you know you'll spend time chasing them every time. Enrol once, eliminate the cycle.
AutoPay — common questions
Can customers cancel AutoPay?+
Yes. Customers can log in to their Win! customer portal at any time and remove their saved payment method, which disables AutoPay. You're notified immediately so you can follow up with a manual payment link if needed.
What happens if a payment fails?+
Win! retries failed charges on a smart schedule and sends notifications to both you and your customer with a direct link to update their payment method. You see all failed AutoPay attempts in your dashboard in real time — there are no silent failures.
Does AutoPay work with Xero AND QuickBooks at the same time?+
Yes. Win! monitors for new invoices from whichever platform you use — Xero, QuickBooks Online, or both simultaneously. AutoPay charges are triggered by new invoices regardless of the source platform.
Can I enrol only some customers in AutoPay?+
Absolutely. You choose which clients to send AutoPay enrollment links to. Non-enrolled clients receive the normal payment link and reminder flow — both systems coexist in Win! at the same time without any extra configuration.
How long does enrollment take for a client?+
Most clients complete enrollment in under two minutes. They click your branded email, enter their card or bank details on Stripe's secure hosted page, and confirm. From that moment, every future invoice charges automatically.
Your next recurring invoice shouldn't need you involved at all.
Connect Xero or QuickBooks, link Stripe, and send your first AutoPay enrollment link in under 15 minutes. Enrol your top five recurring clients today — most Win! customers see DSO drop within the first billing cycle. 30-day free trial, no credit card required.
Also see: Automated reminders · Xero + Stripe
Legal disclaimer: This page is provided for informational purposes only and does not constitute legal advice. NACHA Operating Rules and ACH processing terms are updated periodically and vary by processor. Merchants should consult their ACH processor or legal counsel for compliance guidance specific to their business.