I have been an avid user of QB desktop version dating back from quickstart to the present of the 2019 Pro version for 2 companies. One of my companies needed to try the QBO version. I am very disappointed in the QBO version versus the desktop version. One would think that the developers would be able create the online version a lot like the desktop version except more accessible. I have been using QBO since 9/2019 and I have been finding more and more cons than pros. I can't create the reports I need to look the way I need them to look with QBO, same with invoices, credit memos, etc. There is a lot more information that can be added to customer, vendor, and employee profiles that are necessary in the desktop version versus the online version. Being able to have a credit limit on a customer profile and having a pop up when invoicing saying that the customer has hit that limit has been amazing with the desktop version. 

I'm about ready to check into multiple user desktop versions and cancel the online version. I really have been trying to have an open mind about it. QBO is very limited in EVERY aspect of use.