Keep more of what you make with competitive payment rates

Get affordable rates and fast deposit speeds. No setup costs or hidden fees—just pay as you go.

QuickBooks

Square

Stripe

Cards & digital wallets

Invoices or quick requests paid using Visa, Mastercard, Discover, American Express, Apple Pay, PayPal, and Venmo

2.99%

3.3% + 30¢

No PayPal or Venmo 

2.9% + 30¢*

No PayPal or Venmo

ACH bank payments

Invoices or quick requests paid using an electronic transfer that pulls money from a customer’s bank account into yours 

1%

1%

$1 min

1.2%*

Card reader

In-person payments with a card reader. Takes Visa, Mastercard, Discover, American Express, Also takes Apple Pay, Google Pay, and Samsung Pay. Not available with QuickBooks Money

2.5%

2.6% +10¢

2.7% + 5¢

Keyed-in cards 

Payments processed by manually entering a customer’s card information. Not available with QuickBooks Money

3.5%

3.5% + 15¢

3.4% + 30¢

Cards & digital wallets

Invoices or quick requests paid using Visa, Mastercard, Discover, American Express, Apple Pay, PayPal, and Venmo

QuickBooks

2.99%

Square

3.3% + 30¢

No PayPal or Venmo 

Stripe

2.9% + 30¢*

No PayPal or Venmo

ACH bank payments

Invoices or quick requests paid using an electronic transfer that pulls money from a customer’s bank account into yours 

QuickBooks

1%

Square

1%

$1 min

Stripe

1.2%*

Card reader

In-person payments with a card reader. Takes Visa, Mastercard, Discover, American Express, Also takes Apple Pay, Google Pay, and Samsung Pay. Not available with QuickBooks Money

QuickBooks

2.5%

Square

2.6% +10¢

Stripe

2.7% + 5¢

Keyed-in cards 

Payments processed by manually entering a customer’s card information. Not available with QuickBooks Money

QuickBooks

3.5%

Square

3.5% + 15¢

Stripe

3.4% + 30¢

Rates are accurate as of 07/31/2023. All listed rates are per transaction. Not all payment plans shown; only most comparable plan by feature are highlighted. *Stripe may charge an additional 0.4%/0.5% fee per paid invoice based on plan.

Dig into the details

Check out our rates by payment type, see your deposit speed options, and get details on chargeback protection.

Invoicing and quick request rates

The processing fees you pay each time a customer pays an invoice or quick request online. 

Cards

Visa, Mastercard, Discover, American Express

2.99%


Digital wallets

Apple Pay, PayPal and Venmo

2.99%


ACH bank payments

Electronic money transfers that pull money from a customer’s bank account into yours

1%


Card reader rates

The processing fees you pay each time your customer taps or inserts a card into a card reader to pay you in person.**

Cards

Visa, Mastercard, Discover, American Express

2.5%


Digital wallets

Apple Pay, PayPal and Venmo

2.5%


Card reader not available for use with QuickBooks Money

Rates for keyed-in payments

The processing fees you pay when you manually enter a customer’s card information to process a payment.

Cards

Visa, Mastercard, Discover, American Express

3.5%


Keyed-in payments not available with QuickBooks Money

Payment deposit speeds

The time it takes to see payments in your bank account after processing them.

QuickBooks Online


Paid accounting plans that include access to online payments, banking, and connected business tools.

Next-day or instant**

Get instant deposits to QuickBooks Checking at no added cost,** or to an outside bank account for a 1.75% fee.

QuickBooks Money


One simple tool for managing payments and banking that’s free to download. Accounting not included.

Same-day deposit

Payments dispute protection rates

Automatic protection on credit and debit card disputes. QuickBooks will cover up to $25,000 per year—$10,000 per dispute on card payments.**

QuickBooks Online


Paid accounting plans that include access to online payments, banking, and connected business tools.

Starting at 0.99%*

QuickBooks Money


One simple tool for managing payments and banking that’s free to download. Accounting not included.

Not available

Taking an in-person payment using the QuickBooks GoPayment app and card reader.

Take in-person payments

Insert, tap, or take digital wallet payments with a card reader, or manually enter card details on any device with the QuickBooks GoPayment app.

In your corner when you need us

Let’s talk discounts

Process over $2,500 per month? You could qualify for up to 25% off transaction costs. 2

Call 1-800-264-1859 Mon-Fri, 6 AM to 4 PM PT

Visit our support hub

Find help articles, video tutorials, and connect with other businesses in our online community.

Frequently asked questions

See it in action

With QuickBooks Money, you can try money management tools without the commitment. 

Ask about discounts
Process over $2,500 per month? You may
qualify for up to 25% off transaction costs
Talk to sales 1-800-264-1859
 

Monday - Friday, 6 AM to 4 PM PT

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