Going Further Than What's Built Into Your Accounting Software
QuickBooks Payments is convenient — built right into QBO. Win! is built on the belief that the real opportunity is deeper automation: any invoice collecting itself, card fees passing to customers automatically, and your payment infrastructure owned by you — not your accounting vendor.
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Why we built Win!
Win! started from a simple observation: most invoicing businesses were doing a lot of work they shouldn't have to. Chasing payments manually. Absorbing card fees they could pass on legally. Waiting weeks for invoices that should have collected themselves on the due date. Win! is built to eliminate all of that.
Autopay for every invoice
Any invoice — variable, project-based, or recurring. Raise it in Xero or QBO and it charges automatically if the customer is enrolled.
Merchant ownership
Your own Stripe account, separate from Intuit. You own the processing relationship, the rate, and the customer data.
Both platforms
Win! works with QuickBooks Online and Xero simultaneously. One payment tool as your accounting stack evolves.
Surcharging built in
One toggle. Win! applies the card fee in permitted states and suppresses it where restrictions apply — automatically, every time.
Different philosophies
Both collect invoice payments. Here's how each platform approaches the same problems from different angles.
Feature comparison
Compared by depth of feature, not just presence.
List rates as of 2026. Stripe negotiated rates vary by volume.
Where the approaches diverge
Both platforms mark invoices paid in QuickBooks. The difference is how much of the work gets done automatically, and who owns the payment infrastructure underneath.
Autopay: any invoice vs. recurring schedules
Win!'s approach
Win!'s autopay works on any invoice — variable amounts, project invoices, emergency service calls, maintenance agreements. When you raise an invoice in Xero or QuickBooks, it charges automatically if the customer is enrolled. No exceptions, no workarounds.
QBO Payments' approach
QBO AutoPay is designed for recurring payments on a fixed schedule. That model serves subscription billing well. For businesses with variable service invoices or project-based billing, each one-off invoice typically requires a separate collection step.
Surcharging: built-in engine vs. workaround
Win!'s approach
Win! includes a surcharge engine. Enable it once — Win! applies the credit card service fee in permitted states and suppresses it in jurisdictions with surcharge restrictions, based on your configured settings. Nothing to track manually.
QBO Payments' approach
QuickBooks Payments doesn't include native surcharging. Merchants who want to pass card fees to customers typically build a workaround using third-party apps or manual line items — and take on compliance management themselves.
Payment infrastructure: merchant-owned vs. platform-managed
Win!'s approach
Win! uses Stripe Connect direct charges. Funds land in your own Stripe account. You own the processing relationship, the rate, and the customer payment data — independently of Intuit. As your volume grows, your negotiated rate grows with you.
QBO Payments' approach
QBO Payments is Intuit's payment system — naturally integrated into QuickBooks, convenient to activate. The processing happens within Intuit's infrastructure, which is the right fit for businesses that want a tightly integrated, single-vendor approach.
Accounting scope: two platforms vs. one
Win!'s approach
Win! connects to QuickBooks Online and Xero simultaneously. Every payment marks the exact invoice paid in whichever platform you use — within seconds of the charge. If your business ever moves between platforms, Win! works on both sides of the transition.
QBO Payments' approach
QBO Payments is built for QuickBooks — a natural fit if QuickBooks is and will remain your accounting platform. For businesses that also use Xero, or are considering a future change, a platform-agnostic payment layer offers more flexibility.
Your QuickBooks data stays exactly where it is.
Win! connects on top of QuickBooks Online — nothing to migrate. Authorise the connection, link Stripe, and you're live in 15 minutes. Every payment writes back to the correct invoice automatically.
Also see: QuickBooks + Stripe integration guide →
Feature comparison is based on publicly available product information as of July 2026. Features and pricing may change. Intuit, QuickBooks, and QuickBooks Payments are trademarks of Intuit Inc., registered in the US and other countries. All other company names and trademarks referenced on this page belong to their respective owners. Win! is not affiliated with Intuit or QuickBooks.