QuickBooks Payments Fee Calculator
Calculate exact merchant fees for ACH Bank Transfers (1% max $10 cap), Invoiced Credit Cards (2.99%), and Keyed Entries (3.50%). See live fee savings on every invoice.
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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QuickBooks Payments Fee Schedule by Invoice Size
Comparison across standard invoice amounts for ACH (1% max $10), Card Invoices (2.99%), and Manual Keyed Entry (3.50%).
| Invoice Amount | ACH Bank Debit (1% $10 Cap) | Card Invoiced (2.99%) | Keyed Card (3.50%) | ACH Savings vs Card |
|---|---|---|---|---|
| $500 | $5.00 | $14.95 | $17.50 | +$9.95 |
| $1,000 | $10.00 | $29.90 | $35.00 | +$19.90 |
| $2,500 | $10.00 | $74.75 | $87.50 | +$64.75 |
| $5,000 | $10.00 | $149.50 | $175.00 | +$139.50 |
| $10,000 | $10.00 | $299.00 | $350.00 | +$289.00 |
| $25,000 | $10.00 | $747.50 | $875.00 | +$737.50 |
| $50,000 | $10.00 | $1495.00 | $1750.00 | +$1485.00 |
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Frequently Asked Questions
What are official QuickBooks Payments processing rates in 2026? ▼
QuickBooks Payments charges 2.99% flat for digital invoicing, 2.50% flat for card reader/in-person POS sales, 3.50% flat for manual card entry, and 1.00% (capped at $10.00 max) for ACH bank transfers.
How does the $10.00 fee cap on QuickBooks ACH direct debit save money? ▼
For all ACH transfers above $1,000, the fee stops growing and stays capped at $10.00. On a $20,000 commercial B2B invoice, credit card processing fees cost $598.00, whereas QuickBooks ACH costs only $10.00, saving $588.00 (98.3% reduction).
How does QuickBooks Online automate payment reconciliation? ▼
When an invoice is paid online, QuickBooks automatically records the payment, matches the bank deposit, and accounts for the processing fee as an expense in your Chart of Accounts, eliminating manual bookkeeping errors.
How do I calculate the gross-up amount on a QuickBooks invoice? ▼
To receive an exact $1,000 net on a standard QuickBooks card invoice (2.99% flat): Gross Invoice = $1,000 / (1 - 0.0299) = $1,030.82. Invoicing $1,030.82 ensures you net exactly $1,000.00.
What are QuickBooks instant deposit fees? ▼
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.
Does QuickBooks Payments charge monthly merchant account software fees? ▼
No. Standard QuickBooks Payments has $0 monthly merchant account fees and zero cancellation penalties. It is activated within your standard QuickBooks Online subscription.
What dispute and chargeback fees apply to QuickBooks merchant accounts? ▼
Intuit charges a non-refundable $15.00 dispute administration fee per chargeback filed by a customer's card-issuing bank.
How does QuickBooks compare to Stripe for B2B commercial invoicing? ▼
QuickBooks provides automated native accounting reconciliation and a $10 ACH cap (vs Stripe's $5 ACH cap), whereas Stripe excels in custom developer APIs and international multi-currency processing.