Xero Raises the Invoice. Win! Collects the Money.
Xero is excellent at invoicing. It was never built to collect payments automatically, surcharge credit cards, or enrol clients in AutoPay. Win! is the payment layer that closes every gap: your Xero invoices sync automatically, customers pay by card, ACH, Apple Pay, or Google Pay, and every payment marks the Xero invoice paid within seconds — all without any manual work from you or your bookkeeper.
30-day free trial · No credit card required · Cancel anytime
Why Win! + Stripe instead of GoCardless or Xero's built-in payment options?
GoCardless is bank-debit only — no cards, no Apple Pay, no Google Pay, no surcharging. Xero's native payment links are basic: no AutoPay, no timed reminder sequences, no client intelligence. Win! gives you everything: Stripe's full payment method suite (cards, ACH, Apple Pay, Google Pay, BACS, SEPA), AutoPay for recurring invoices, branded reminders with Pay Now links, and a surcharge engine that recovers your card processing fees in permitted jurisdictions. One platform that replaces three partial solutions.
Full comparison: Win! vs GoCardless →How the Xero + Stripe integration works
Authorise Win! to read Xero invoices
Connect your Xero organisation in Win!'s Connections page. Win! reads your open invoices, contacts, and product/service catalogue. Your Xero data never leaves your control — Win! only reads what it needs to match invoices to payments.
Connect your own Stripe account
Link your existing Stripe account or create a new one in minutes. Win! uses Stripe Connect direct charges — every payment goes directly into your Stripe balance, never into ours. You own the account, the payouts, the disputes, and the customer relationship. Always.
Win! syncs and watches for new invoices in real time
Win! continuously monitors your Xero account for new authorised invoices. The moment a new invoice is raised, it becomes available in Win! for payment link generation, AutoPay charging, or reminder scheduling — with no action required from you.
Customer pays — Xero updates automatically within seconds
When a payment is received — via payment link, AutoPay, or the customer portal — Win! immediately marks the matching Xero invoice as paid and applies the payment amount. Your Xero bank account reconciles against your Stripe payouts. No manual entry, ever.
What you get on top of Xero
Win! doesn't replace Xero — it adds the collection layer that Xero was never designed to provide.
Payment links in one click — any Xero invoice
Open any Xero invoice in Win! and send a branded payment link by email or SMS. Customers pay by card, ACH, Apple Pay, or Google Pay — no login required, no account creation. The Xero invoice is marked paid instantly.
AutoPay for recurring Xero invoices
Enrol Xero customers in AutoPay once. Every future invoice Win! sees for that customer charges their saved card or bank account automatically — maintenance contracts, retainers, recurring billing of any frequency.
Automated invoice reminders — sent at exactly the right time
Win! sends timed, branded reminders on every unpaid Xero invoice: 3 days before due, on due date, 7 days overdue, and 14 days overdue. Every reminder includes a Pay Now link. Reminders stop the moment the invoice is paid — from any source.
Instant reconciliation — two-way Xero sync
Payment data flows both ways. Win! reads from Xero and writes back to Xero. Your invoice status, payment amounts, and outstanding balances are always accurate — without anyone touching a spreadsheet or running a reconciliation manually.
Every payment method your customers want to use
Win!'s checkout page supports every major payment method via Stripe. Customers pay how they prefer — you get the money in your Stripe account within the standard Stripe settlement window.
Visa / Mastercard / Amex
All major credit and debit cards
ACH bank transfer
Lower fees for high-value invoices
Apple Pay
One-tap on iOS and Safari
Google Pay
One-tap on Android and Chrome
BACS Direct Debit
UK bank accounts via Stripe
SEPA Direct Debit
EU bank accounts via Stripe
Stop absorbing card fees — pass them to your customers legally
Win! includes a surcharge engine. Enable it once and Win! applies the credit card service fee in permitted states and suppresses it in jurisdictions with surcharge restrictions, based on your configured settings. For Xero users doing $500K+ in annual card volume, this typically recovers $15,000–$50,000 per year in fees previously absorbed as a business cost. Neither GoCardless nor Xero's native options offer an equivalent.
Learn how credit card surcharging works →Xero + Stripe integration FAQ
Does Win! work if I already have Stripe?+
Yes — in fact that's the ideal setup. Connect your existing Stripe account in Win!'s Connections page. Your existing Stripe balance, payouts, and settings are unaffected. Win! simply adds AutoPay and collection automation on top of what you already have.
Can Win! connect to Xero AND QuickBooks simultaneously?+
Yes. Win! is one of the few platforms that supports both at the same time. If you have invoices in Xero and QuickBooks, both sync and both reconcile through Win! — same dashboard, same subscription.
What happens to Xero invoices that are already paid?+
Win! only charges unpaid invoices. If an invoice is already marked paid in Xero — by any method — Win! will not attempt to charge it. Payments made through other channels are always respected.
Does Win! support Xero's multicurrency invoices?+
Yes. Win! supports USD, CAD, GBP, AUD, and EUR. Stripe charges in the invoice currency and your Stripe account can be configured to hold or convert multicurrency balances according to your preferences.
How long does setup take?+
Most businesses are live in under 15 minutes. Connect Xero via OAuth (2 clicks), connect Stripe (existing account or new), configure your reminder schedule and surcharge settings, and send your first payment link. Your first AutoPay enrollment can go out the same day.
Xero + Stripe + Win! — live in 15 minutes.
Authorise Xero, connect Stripe, and send your first payment link. Turn on AutoPay for your top recurring clients. Enable surcharging. Every feature is included in the 30-day free trial — no credit card required.
Also see: QuickBooks + Stripe · GoCardless alternative
Legal disclaimer: This page is provided for informational purposes only and does not constitute legal advice. Payment processing fees and settlement times vary by processor and are subject to change. Xero and Stripe are trademarks of their respective owners. Win! is not affiliated with Xero Limited or Stripe, Inc. Consult your payment processor or legal counsel for guidance specific to your business.