Add a convenience fee to customer invoice payments made by ACH bank transfer

by Intuit •

5685 •

Updated 8/11/2026 10:19

Learn how your customers can pay invoices by ACH bank payment with a convenience fee in QuickBooks Payments for Online.

When you send an invoice with all online payment methods turned off, your customer can still pay the invoice online using an ACH bank transfer. They’ll need to pay an additional $25 convenience fee.

Note: You can use ACH payment with a convenience fee if your invoice is greater than $125 and less than $100,000.

Differences between this and other payment options

When a customer pays using an ACH bank transfer, they pay a flat convenience fee. When a customer pays using other methods, you pay a percentage-based processing fee, instead of a flat fee.

Your customers can’t pay partial invoices with an ACH bank transfer.

We recommend you turn on payments, and account for the cost of payment processing in your prices.

Note: If you sign up for and schedule Instant Deposit, ACH payments where your customer paid a convenience fee are also deposited instantly. You're charged the 1.75% Instant Deposit fee.

Prerequisites

To get started, you'll need a Payments account. If you don’t have one, apply for a payments account within 30 days of your first customer payment.

Turn on payment by ACH bank payment with a convenience fee

Go to Home (Take me there).
Go to Settings , then select Account and settings.
Select Sales.
Select Invoice payments.
Make sure you check Your customer pays the fee.
Uncheck all other payment methods (credit card, ACH bank payment, PayPal, and Venmo) here. If not, you'll need to uncheck them on the invoice.
Select Done.

Send an invoice with an ACH bank payment

Go to All apps , then Customer Hub, then Overview (Take me there).
Select Create an invoice.
Select Manage ⚙.
Select Payment options. Make sure all payment options (credit card, ACH bank payment, PayPal, and Venmo) are off, and that Your customer pays the fee is on.
Note: If you send an invoice to your customer with any payment options turned on, you’ll pay the convenience fee.
If there’s a particular way you prefer your customers to pay you, add a comment in the Payment instructions field or in the email body.
Complete the invoice.
When you’re ready to send your invoice, select Review and send, then Send invoice.

Turn off your deposit schedule to avoid an instant deposit fee

Go to Home (Take me there).
Go to Settings , then select Account and settings.
Select Sales.
Select Invoice payments.
Select Deposit Speed, then select Change.
Remove the check for all the marked days and turn off All the days.
Select Save schedule.

Turn off ‌convenience fees for customers

If you don't want to provide the option for your customers to pay online via ACH bank payments for a $25 convenience fee, you can turn this option off:

Go to Home (Take me there).
Go to Settings , then select Account and settings.
Select Sales.
Select Invoice payments and uncheck Your customer pays the fee. This setting will apply to all invoices you send.

Turn on payments

Turn on online payments to let customers pay you without paying a convenience fee. This lets them pay with credit cards, debit cards, ACH bank payments, Apple Pay, Venmo, and PayPal. Your business pays a fee for each transaction.

Go to Home (Take me there).
Go to Settings , then select Account and settings.
Select Sales.
For Accept online payments, select Activate.
Select the payment options you want to provide your customers. You can turn on cards, ACH bank payments, and PayPal/Venmo separately.

Know your next steps

When your customer pays the invoice, they also pay any convenience fee. You’ll get the full invoice amount in your deposit account, typically the next business day. We match the invoice to the payment and put it in your books. This doesn’t include the convenience fee, since it doesn’t directly impact your accounting.