Xero vs QBO:
PAYG Instalments (PAYGI) — The One Key Difference -If you’re doing your own BAS, here’s the simple truth: Xero pulls your PAYG Instalment (T7) directly from the ATO. When you open the BAS in Xero, the PAYGI amount is already sitting there — Xero fetches it from the ATO automatically.
QBO does NOT pull PAYGI from the ATO. QuickBooks only calculates GST and PAYGW from your bookkeeping data.
Do you lodge your Business Activity Statement directly from Xero or QBO? If you live in the UK do you use this for VAT?