QuickBooks Payments Global Directory

QuickBooks Online Payments charges 2.99% flat for digital invoice card payments, 2.50% flat for card reader/in-person POS transactions, 3.50% flat for manual card entry, and 1.00% (capped at $10.00) for ACH bank transfers.

QuickBooks ACH costs 1.00% with an absolute maximum fee cap of $10.00. On a $10,000 commercial invoice, credit card processing fees cost $299.00, whereas ACH costs just $10.00, saving $289.00 per invoice.

To net an exact $1,000 on a QuickBooks digital invoice (2.99% flat): Gross Invoice = $1,000 / (1 - 0.0299) = $1,030.82. Billing $1,030.82 guarantees you receive exactly $1,000.00 in your checking account.

When a customer pays a QuickBooks invoice online, QuickBooks automatically records the payment, matches the bank deposit, and accounts for merchant processing fees as an expense in your Chart of Accounts with zero manual data entry.

Standard bank deposits arrive in 1 to 2 business days free of charge. Instant deposits to an eligible debit card or checking account incur a 1.75% surcharge above standard processing fees.

QuickBooks does not provide an automated surcharging checkout button. However, business owners can legally add a convenience fee line item to the invoice before sending, where allowed by state law.

No. Standard QuickBooks Payments has $0 monthly merchant service fees, paying only transaction fees when clients pay invoices. It is tied to your standard QuickBooks Online software subscription.

QuickBooks provides automated native General Ledger matching and a $10 ACH fee cap (vs Stripe's $5 ACH cap), whereas Stripe excels in custom developer APIs and international currency collection.