QuickBooks Payments for QuickBooks Online charges about 2.99% for cards paid on invoices or online, 2.5% for in-person cards, 3.5% for keyed-in cards, and 1% for ACH bank payments, based on 2026 reports. QuickBooks Desktop is priced differently. For businesses that invoice large amounts, those card fees add up fast, and ACH or dual pricing can cut them sharply.
Key takeaways
- Invoice and online card payments: about 2.99%.
- In-person: about 2.5%; keyed-in: about 3.5%.
- ACH bank payments: about 1%, with caps that depend on your plan.
- QuickBooks Desktop has its own, higher pricing.
- Other processors can work inside your QuickBooks invoices.
Rates are as reported for QuickBooks Payments in 2026. Pricing differs by product and plan; confirm in your QuickBooks account.
QuickBooks Payments rates (QuickBooks Online)
| Payment type | Fee |
|---|---|
| Card paid on an invoice or online | About 2.99% |
| In person, swiped or tapped | About 2.5% |
| Keyed-in card | About 3.5% |
| ACH bank payment | About 1% (cap depends on plan) |
QuickBooks Desktop has been reported at about 3.5% + 30¢ for invoiced and keyed cards, 2.4% + 30¢ for swiped cards, and a flat fee per ACH payment.
What it costs a business that invoices
| Monthly invoices paid by card | Approximate monthly fees at 2.99% | Per year |
|---|---|---|
| $25,000 | About $750 | About $9,000 |
| $50,000 | About $1,500 | About $18,000 |
| $120,000 | About $3,590 | About $43,000 |
That last row is close to a real case: an event services company invoicing out of QuickBooks Desktop was paying $3,713 a month. With dual pricing built into its existing invoices, its fees dropped to $91.42. See the full results.
How to lower QuickBooks processing fees
- Make ACH the easy option on large invoices.
- Avoid keying in cards when a customer can pay through the invoice link.
- Use dual pricing where allowed, so customers who choose cards cover the cost. Check the credit card surcharge laws by state.
- Compare a processor that works inside QuickBooks with interchange-plus pricing.
- Track fees correctly so you deduct them; see are credit card processing fees tax deductible?
Run your numbers through the credit card processing fee calculator, or send a statement for a free fee review.
Frequently asked questions
What does QuickBooks charge for credit card payments?
Is QuickBooks ACH capped?
Are QuickBooks processing fees tax deductible?
Can I use a different processor and still use QuickBooks?
This article is general information, not legal, tax or financial advice. Card network rules and state laws change; confirm the rules for your business before changing how you charge customers.