Invoicing and accounting
QuickBooks Payments fees in 2026: what you actually pay
Updated · Checked against primary sources
The short answer
QuickBooks Payments charges 2.99% for cards, PayPal and Venmo on invoices, 2.5% for in-person cards and 3.5% for keyed cards, with no per-transaction fixed fee. ACH bank payments are 1%, and accounts that added Payments on or after Sept 5, 2023 have no cap. Instant deposit costs 1.75%, and Intuit says rates were accurate as of Sept 18, 2026.
US businesses that already keep their books in QuickBooks and want invoice payments to reconcile automatically.
QuickBooks Payments rates
| Payment type | Published rate |
|---|---|
| In person (tap, dip, swipe) | 2.5% |
| Online or invoice link | 2.99% |
| Keyed in | 3.5% |
| Buy now, pay later (Affirm) | 2.99% |
| ACH / bank transfer | 1%, no published cap |
| Instant payout | 1.75% for instant deposit |
What QuickBooks Payments costs on your volume
Fee calculator
On QuickBooks Payments: $1,000 a month, $12,000 a year (2.50% effective on cards).
| Same volume on | Monthly | Yearly |
|---|---|---|
| QuickBooks Payments | $1,000 | $12,000 |
| Wave Payments | $1,213 | $14,560 |
Uses each provider's published headline card rate and ACH terms only. Monthly software, hardware and per-feature fees are listed separately below and are not included.
Monthly and other fees
| Fee | Amount |
|---|---|
| Payments setup | No setup costs, pay as you go |
| Payment dispute protection | Starting at 0.99% |
| Volume discount | Up to 25% off transaction costs if you process over $2,500/month (call sales) |
QuickBooks Payments fee traps to check
- ACH is 1% with no cap on accounts that added Payments on or after Sept 5, 2023, so a $50,000 progress draw costs $500 to collect by bank transfer.
- Instant deposit adds 1.75% of the amount.
- Keyed cards cost 3.5%, a full point above in-person cards.
- PayPal and Venmo on invoices are billed at the same 2.99% as cards, so customers choosing them do not save you anything.
- Dispute protection is an extra cost, starting at 0.99%.
How to lower your QuickBooks Payments fees
- If you process more than $2,500 a month, call Intuit (800-264-1859); its rates page says you could qualify for up to 25% off transaction costs.
- For five-figure invoices, compare the uncapped 1% ACH with a capped option such as Stripe ACH at $5 or Helcim at $6, and route the largest payments there.
- Take cards in person at 2.5% rather than keying them at 3.5%.
- Use standard deposits instead of the 1.75% instant deposit.
Can you pass the fee to customers?
Unclear. Intuit's payment rates page does not list a surcharge or convenience-fee feature for QuickBooks Payments.
Contract and cancellation
No setup costs; pay as you go per transaction. The QuickBooks software subscription is separate.
QuickBooks Payments vs other invoicing and accounting options
| Provider | In person | Online | ACH |
|---|---|---|---|
| QuickBooks Payments | 2.5% | 2.99% | 1%, no published cap |
| Wave Payments | Not published | 2.9% + 60¢ | 1%, no published cap |
Compare fees
Frequently asked questions
- Does QuickBooks Payments cap ACH fees?
- Not for newer accounts. Intuit's community team says customers who added QuickBooks Payments on or after Sept 5, 2023 are on a 1% ACH plan with no cap, replacing the older $10 cap. Check which plan your account is on.
- What is the QuickBooks Payments fee for a $1,000 invoice?
- $29.90 if the customer pays by card, PayPal or Venmo at 2.99%, or $10 by ACH at 1%. Keyed by you, the same card costs $35 at 3.5%.
- Can I get a lower rate from QuickBooks?
- Intuit says businesses processing over $2,500 a month could qualify for up to 25% off transaction costs, through its sales line. Ask for the discount in writing before you rely on it.
- How much is QuickBooks instant deposit?
- 1.75% of the amount, with deposits available nights, weekends and holidays. Standard deposits carry no extra fee.
Where Pavado comes in
How Pavado finds the money your business is leaking
Want QuickBooks Payments's charges checked against your own agreement? Pavado reviews statement and contract exports, then returns a written list of potential overpayments and questions for your provider. No account logins needed.
Send us the statements, contracts and bills you already have. We read the lines nobody reads and come back with a written list of what you are overpaying, what is about to renew and what you are owed.
- Fees you are overpaying. Processor, bank and platform charges checked line by line against what you agreed to.
- Contracts before they renew. Every renewal date and notice window we can see, so you can leave or renegotiate in time.
- Bills worth disputing. Insurance audit bills and lead charges with a dispute or credit window still open.
- Money you are owed. Unpaid invoices and holdback sorted by age and by the deadline that protects them.
- 1.Tell us what you pay for and send exports, not logins.
- 2.A person replies within one business day with what we need.
- 3.You get a written list: each item, what it looks to be worth and who acts on it.
The first conversation and a scoped proposal are free, and we will tell you early if we are not the right fit.
Go deeper
- GuideBest Payment Processing for Contractors: 8 ComparedCompare 8 contractor payment processors on large-invoice fees, ACH caps and workflow. Check the full cost before switching, or request a free fee review.
- GuideCancel QuickBooks: Will You Lose Everything? 2026Not right away: you keep read-only access to your QuickBooks data for one year after cancelling, then it is gone. How to cancel and what to export first.
- GuideShould I Accept Credit Cards as a Contractor?At a 10% net margin, a 3% card fee eats roughly 30% of the profit on the job. Here is the math, the rules in Canada and the US, and when to say no.
Sources
- Intuit QuickBooks: Payment rates (accurate as of 09/18/2026)
- QuickBooks Community (Intuit reply): 1% no-cap ACH for accounts from Sept 5, 2023
- Stripe: Pricing (US ACH cap, for comparison)
- Helcim: Pricing (ACH cap, for comparison)
Cite this page
Pavado, “QuickBooks Payments Fees 2026”, https://www.pavadotech.com/fees/quickbooks-payments, updated 2026-09-24.