How AutoPay Works
AutoPay eliminates the most time-consuming part of running a service business: chasing payments. Invoice created → charge fires → books updated. No phone calls, no manual entries, no follow-up emails.
What AutoPay handles for you
The AutoPay flow, step by step
Customer authorizes a payment method
When a customer pays their first invoice through Win!, they can choose to save their payment method (credit card, debit card, or bank account) and enroll in AutoPay. The authorization is captured via Stripe's secure vault — Win! never stores raw card or bank data.
Invoice is created in QuickBooks Online or Xero
You create invoices the same way you always have — in QBO or Xero. Win! monitors your accounting platform in real time. When a new invoice is created for a customer enrolled in AutoPay, Win! detects it automatically within seconds.
Win! schedules the charge
Depending on your AutoPay settings, Win! will charge the customer on the invoice due date, on a specific day before due (e.g., 3 days early), or immediately upon invoice creation. You control the timing per customer or globally across your account.
Payment processes through Stripe
At the scheduled time, Win! initiates the charge through your Stripe account. For credit/debit cards, the authorization is immediate. For ACH bank transfers, the charge is submitted to the ACH network — funds arrive in 1–3 business days.
Invoice marked paid in QBO / Xero — within seconds
The moment Stripe confirms payment, Win! pushes the reconciliation back to your accounting platform. The invoice is marked paid, the payment is recorded against the correct account, and your books are up to date — automatically, with no manual entry.
Customer receives a receipt
Win! sends a payment receipt to the customer's email address on file. The receipt includes the invoice number, amount, last-4 digits of the payment method, and a link to their customer portal where they can view payment history or update their payment method.
What this means for your business
0 days
Average days to payment for AutoPay customers
Payment fires on the due date. No more waiting.
~$150
Saved per $5,000 invoice using ACH AutoPay vs. card
0.8% ACH fee vs. ~3% card fee at scale.
4–8 hrs
Monthly admin time saved per staff member
No manual follow-ups, no reconciliation entry.
Frequently asked questions
What happens if an AutoPay charge fails?
If a charge fails (insufficient funds, expired card, bank rejection), Win! retries the payment automatically on a defined schedule and sends the customer an email prompting them to update their payment method. You can also manually trigger a retry from the Win! dashboard.
Can customers opt out of AutoPay?
Yes. Customers can cancel AutoPay enrollment at any time through their self-serve customer portal — no need to call your office. You can also disable AutoPay for a specific customer from the Win! merchant dashboard.
Does AutoPay work for partial invoices or recurring contracts?
Win! charges the full invoice amount as invoiced in QBO or Xero. For recurring contracts, the typical workflow is to set up recurring invoices in your accounting platform — Win! then picks them up automatically as they're created.
Is AutoPay available for both ACH and credit card?
Yes. AutoPay supports both credit/debit cards and ACH bank transfers. Many businesses prefer ACH AutoPay for large invoices to reduce processing fees — a $5,000 invoice costs ~$4 via ACH vs. ~$150 via credit card.
Do I need NACHA authorization for ACH AutoPay?
Yes. NACHA rules require written or electronic authorization from the customer before initiating ACH debits. Win! captures and stores this authorization as part of the enrollment flow to help you meet NACHA authorization requirements. Merchants remain responsible for ensuring their ACH practices comply with applicable NACHA rules and processor agreements.
Related guides
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.