The topic starter indicated that he took XPub from Trezor (see first post), and Trezor has a limit (10) on the number of account creation:
https://wiki.trezor.io/AccountSo this method will not work for him. Or you will have to use non-native software.
That simply means that Trezor Suite is not suitable for purposes of serving more than 10 customers, but not that I am wrong. As long as the software allows you to track an unlimited number of accounts, you're fine; even if you're keeping funds on a hardware wallet like Trezor and others.
As far as I understand, the task of 0xwork is to automatically accept payments and see the balance on your wallet. If you suggest using other software instead of trezor suite, which can scan different accounts and addresses with different indexes. How do you imagine that?
The account system should be used if you want to always issue a new payment address to the same customers, but even large exchanges do not do this and usually issue the same replenishment addresses to their customers.