Long story short, Quickbooks Online is a great solution for most growing businesses. Xero requires an accounting advisor (frankly this was created to help accountants control clients), QBO does not. QBO provides full access to the business owner - which you should want. The only businesses that outgrow QBO are extremely large transaction businesses (like ecommerce) that are streaming all transactions into QB from shopify or similar software. This level of activity can make QBO unbearably slow.