Built on Stripe. Your account. Your money.
Win! doesn't process payments — Stripe does. That distinction matters. Win! uses Stripe Connect so every merchant has their own Stripe account, payments settle directly, and you own the relationship with Stripe independently of Win!.
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Why Win! chose Stripe
We evaluated every major payment processor before building Win!. Stripe won on every dimension that matters for service businesses in 2026.
No monthly gateway fee
Stripe bundles the gateway, processor, and merchant account into a single relationship. No separate acquiring bank. No $25–$75/month gateway fee before you process a dollar. Stripe's standard card rate starts at 2.9% + $0.30 — that's the only cost.
Instant merchant onboarding
A new Stripe account takes minutes to create — not days of bank applications and underwriting. For new businesses and those switching from legacy gateways, this alone is a meaningful advantage.
Apple Pay and Google Pay, natively
Stripe supports digital wallet payments without additional integration work. Your customers can pay large invoices with one tap from their iPhone or Android device. Adoption rates for digital wallet payments are increasing every year.
Stripe Radar — ML fraud detection
Every Stripe account includes Radar, a machine learning fraud detection system trained on millions of transactions across the Stripe network. It blocks fraudulent charges before they reach your account — at no extra cost.
ACH at 0.8%, capped at $5
A $10,000 ACH payment through Stripe costs $5 — not $80. For service businesses collecting large invoices by bank transfer, this cap eliminates the fee anxiety that makes percentage-based ACH unworkable at scale.
The world's best payment infrastructure
Stripe powers Shopify, Lyft, Amazon, and thousands of enterprise businesses. The reliability, documentation, API quality, and ecosystem are unmatched. Building Win! on Stripe means every merchant inherits that infrastructure.
What Stripe Connect means for you
Stripe Connect is the infrastructure that lets Win! orchestrate payments on your behalf through your own Stripe account — not a shared platform account.
The key distinction
Many payment platforms operate a single merchant account and sweep funds to businesses on a schedule — meaning the platform temporarily holds your money. Win! uses Stripe Connect's Express architecture, so payments go directly to your own Stripe balance the moment they're confirmed. Win! initiates the charge on your behalf; it never touches the money.
This matters for two reasons: (1) your funds are never at risk of being held by Win!, and (2) if you cancel Win!, your Stripe account — with its complete transaction history, saved payment methods, and payout schedule — continues operating independently.
Direct settlement
Payments settle to your Stripe balance on Stripe's standard payout schedule — not delayed by Win!.
Account portability
Your Stripe account is yours. Cancel Win! and the account stays, complete with history and saved methods.
Full Stripe dashboard access
You retain direct access to your Stripe dashboard for reporting, refunds, and dispute management.
Stripe vs QuickBooks Payments — the fee difference
For service businesses that collect large invoices by ACH, the difference between Stripe and QBO Payments can cover Win!'s entire subscription fee.
| Transaction type | Stripe via Win! | QBO Payments |
|---|---|---|
| Card payment | 2.9% + $0.30 | 2.99% + $0.25 |
| ACH bank transfer | 0.8%, max $5 | 1%, max $10 |
| $10,000 ACH invoice | $5.00 | $10.00 |
| Monthly gateway fee | $0 | Included in QBO subscription |
Processing fees are charged by Stripe, not by Win!. Win! charges a flat monthly subscription only.
Stripe is a trademark of Stripe, Inc. Win! is not affiliated with Stripe, Inc. Fee information reflects Stripe's publicly available standard pricing as of July 2026 and may change. Actual rates depend on your account type and any custom pricing arrangement with Stripe.