When someone uses QuickBooks Payments to take payments from QuickBooks, then he/she is charged a processing fee. The user needs to always check the QuickBooks Payments website for the latest processing fee rates and pricing. We have summarized below the fees and plans for QuickBooks Payments so that you can make the best decision for the business. If you are interested in knowing the fees for QuickBooks Payments, then make sure to read this article carefully till the end.
Or give us a call at our toll-free customer support number at +1 (855) 666-0469, and discuss your query with our professionals. Our team will be happy to help.
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What is QuickBooks Payments?
Before digging in deep and exploring the fees, it is better to first get a brief about what QuickBooks Payments actually is. Basically, QuickBooks Payments is a built-in payment processing feature offered by Intuit. It allows QuickBooks users to accept credit cards, debit cards, and ACH bank transfers directly within the software. The customer payments are automatically recorded in QuickBooks, which saves the user a lot of time on manual data entry.
Not just that, QuickBooks Payments also allows the user to send invoices with a Pay Now button so customers can pay online right away. The funds are then deposited into the user's bank account based on the processing time of the QuickBooks product being used.
QuickBooks Payments Fee Table (Updated 2025-2026)
| Fee Type | QuickBooks Online | QuickBooks Desktop "Pay As You Go" Plan | QuickBooks Desktop "Pay Monthly" Plan |
|---|---|---|---|
| Monthly Fee | None | $0 | $20 |
| ACH Bank Transfer | 1% (Max $10) | $3.00 | $3.00 |
| Credit Card – Swiped | 2.5% | 2.4% + 30¢ | 1.6% + 30¢ |
| Credit Card – Online Invoice | 2.99% + 25¢ | 3.5% + 30¢ | 3.3% + 30¢ |
| Credit Card – Keyed | 3.4% + 25¢ | 3.5% + 30¢ | 3.5% + 30¢ |
| International Card Surcharge | +1% | +1% | +1% |
| Instant Deposit Fee | +1.75% | +1.75% | +1.75% |
Note: Rates are accurate as of July 31, 2025. All listed rates are per transaction. An additional 1% fee is charged on transactions made using an internationally issued card (non-U.S.) or an international PayPal account. Fees are subject to change — always check the QuickBooks Payments website for the most current rates.
Instant Depositing Fees for QuickBooks Online
Every time the user gets an instant deposit, there will be an additional fee on top of the standard processing fee. Here is what to know:
Standard deposits without the instant deposit feature usually take 1 to 2 business days
- QuickBooks charges 1.75% for instant deposits to an outside bank account
- This is in addition to the fees for processing the customer payment
- Instant deposits are available including nights, weekends, and holidays
More About ACH Payment Fees
ACH bank transfers are one of the most cost-effective ways to collect payments through QuickBooks. Here are a few things the user should know:
- The standard ACH rate is 1% per transaction
- On December 2, 2024, QuickBooks increased its ACH rate cap to $10 (up from $5) on select accounts. The ACH processing rate is still 1% for all transactions under $1,000. But transactions over $1,000 will be capped at $10 on select accounts Google Sites
- If the user is on a standard QuickBooks pricing plan, the 1% fee applies even if the transaction exceeds $1,000 and is not capped
- For QuickBooks Desktop, the ACH fee is a flat $3.00 per transaction regardless of the amount
More About Payment Plans
To see the latest payment plans for the product, move to the QuickBooks Payments website.
Here is a quick summary of the plan types:
- QuickBooks Online Plan — No monthly fee. Only pay the processing fee per transaction. Best for businesses that process payments occasionally
- QuickBooks Desktop Pay As You Go Plan — No monthly fee. Processing fees are slightly higher. Best for businesses with low payment volumes
- QuickBooks Desktop Pay Monthly Plan — A $20 monthly fee applies. But processing fees are lower, especially for swiped transactions. Best for businesses with high payment volumes
Note: There is a free plan that allows you to accept payments and just pay transaction fees based on usage, but this does not include in-person payments.
When Funds Show Up in the Bank Account
In a situation when the funds show up in the bank account, the processing time usually depends on the QuickBooks product being used. Here is a general idea:
The user can learn the exact process of when QuickBooks Payments deposits payments into the bank account by visiting the official Intuit help page
Standard Deposits — Usually take 1 to 2 business days to appear in the bank account
Instant Deposits — Available immediately, including nights, weekends, and holidays, but carry an additional 1.75% fee
Tips to Reduce QuickBooks Payments Processing Fees
Here are a few things the user can do to keep the processing fees as low as possible:
- Use ACH bank transfers where possible — The 1% fee for ACH is much lower than credit card rates
- Use a card reader for in-person payments — Swiped transactions carry a lower fee than keyed or online invoice payments
- Choose the Pay Monthly plan if volume is high — The lower per-transaction rates on the Pay Monthly plan can save more than the $20 monthly fee for high-volume businesses
- Avoid keyed transactions — Manually keyed card details carry the highest processing rate. Always swipe or use online invoices instead
- Encourage customers to pay via ACH — Offer a small discount or incentive to customers who pay via bank transfer instead of credit card
Conclusion!
The above summarized information might be enough related to fees for QuickBooks payments. However, if any of your query remained unanswered, or in case you need any sort of technical assistance, then feel free to get in touch with our accounting professionals at +1 (855) 666-0469. Our technical support and certified ProAdvisors will ensure to provide you with immediate support service.
Frequently Asked Questions
Q. What is the standard processing fee for QuickBooks Payments?
The standard processing fee for QuickBooks Online is 2.5% for swiped card transactions, 2.99% plus 25 cents for online invoice payments, and 1% for ACH bank transfers.
Q. Is there a monthly fee for QuickBooks Payments?
No. The QuickBooks Online plan and the QuickBooks Desktop Pay As You Go plan have no monthly fee. Only the QuickBooks Desktop Pay Monthly plan has a $20 monthly fee.
Q. What is the instant deposit fee in QuickBooks?
An additional 1.75% fee is charged on the total amount of each instant deposit, on top of the standard processing fee.
Q. Are there extra fees for international card payments?
Yes. An additional 1% fee is charged on transactions made using an internationally issued card or an international PayPal account.
Q. Can I negotiate lower processing fees with QuickBooks?
Yes. It is possible to negotiate custom rates with Intuit, especially for high-volume businesses. The fees advertised on the website are not always final.
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