I know how you feel about the charges on ACH payments.

I'm here to share additional details about the update. As an accounting software, QuickBooks provides an option to easily process payments. Since banking is a part of our program, we also have our payment processing fees.

QuickBooks Payments takes processing fees each time you process payments from QuickBooks Online (QBO). Please know that we made this update to continue investing and to make improvements to the QuickBooks product.

I recommend contacting Payments Support if you need clarification about the charges.

Additionally, I've added this article for more information if how long it takes to get customer payments in your bank account: Find out when QuickBooks Payments deposits customer payments.

I'm all ears if you have additional question about the ACH payments charges. I'm always here to help. Take care.

If the max fee is $10 why am i getting charged more than that?  I have a $12.00 and $30.00 transaction fee from the past couple weeks

Thank you for joining the thread, @nhmorgan01. Let me guide you in the right direction for help.

QuickBooks Payments is a feature designed to take payments from QuickBooks. It charges a fee every time you process a transaction, and it also depends on how you processed the payment.

You can check out this article about the fee type and the transaction fees charged by QuickBooks Payments.

I recommend contacting our Payments Support team to assist you in real-time and provide detailed information about the charges. Our support team can pull up your account and check every transaction in it.

I also added this article to learn more about when QuickBooks Payments deposits customer payments.

Let me know in the comment section if you need further assistance with your bank transactions. The Community always has your back. Have a good day ahead!

So I spoke to customer service asking about the fees I was getting charged that were greater than $10.00 and learned about this garbage practice of Quickbooks Payments:

I sent my customers multiple invoices (they need a separate invoice for each project we do).  On the customer's end they are able to do a batch payment and pay the total of all invoices with ONE singular ACH transfer.  You would think one transfer means one ACH fee, right?

NOPE.

Quickbooks charges a separate fee for each invoice even though they were all paid with one payment.  I had one ACH transfer payment that was charged $30 in fees because it was for 3 invoices.

Do yourself a favor and look for another payment company or go back to paper checks.  These fees on top of a monthly subscription are thievery.

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@nhmorgan01 wrote:

Do yourself a favor and look for another payment company or go back to paper checks.  These fees on top of a monthly subscription are thievery.

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@nhmorgan01 

If you are running a B2B company, you use use a 3rd party processor to accept ACH payments for free.

I find that I'm getting charged a 1% fee, but it doesn't cap a $10 max.  I'm definitely being charged 1% of the full transaction.  Can you please clarify?

Hello there, dennynguyen.

Allow me to share with you some information about processing fees in QuickBooks. 

If you sign up for Merchant Services or QuickBooks Payments and process payments, you will incur processing fees each time a customer pays an invoice. These charges vary depending on how you processed the payment. Here's a link to our website for the updated fees: Standard Payment Fees & Rates.

I've also added this article as an additional resource if want to make sure that your payments and processing fees will be recorded to the correct accounts: Choose where to record payments and processing fees for QuickBooks Payments.

Leave a comment below if you have follow-up questions about processing payments. I'm always here to help. Have a great day!

Yep!  They screwed us more and raised the cap to $15 (per invoice, NOT per ACH transfer) for existing customers and NO CAP for any customers that joined after they implemented the raise.  They know they don't have any decent competition and continue to bleed us dry.

The one good thing they have going is the 5% APY in envelopes in their QB checking accounts.  I keep some funds in there to accrue interest to try to offset all their fees

This is different than what our pricing schedule shows on our Payments account - yet we are being charged fees of greater amounts for quite some time. How do we reconcile this with Intuit when our agreement and pricing details do not match what we have been charged?

Additionally, next to Einvoice it says n/a yet we are getting charged over 3.2% for every debit or credit card paying their e-invoice.

I appreciate you for bringing this to our attention, @JandJroofing. Let me share some information about processing fees in QuickBooks Online and check where these charges came from.

When you use QuickBooks Payments, there's a fee each time you process a transaction. It varies depending on whether the card is swiped (2.5%), invoiced (2.99%), or keyed (3.5%). ACH payments charge a 1% fee on each transaction. 

For more information, check out this article: What are the fees for QuickBooks Payments?

In your case, let's check where these charges came from. You can use the Charge Lookup Tool in your QuickBooks Online account to review your billing history and confirm the charges. You can refer to Option 1 from this article: Understand Intuit charges on your credit card or bank statement.

To better understand the charge, I recommend contacting our Phone Support team. They are well-equipped with the tools to safely look at your account. You can connect with them by following these steps:

1. Go to the Help icon in the top right-hand corner.
2. Select Search, then press the Contact Us button.
3. Enter your question in the box and hit Continue.
4. Please choose the best way you'll want to reach out to us.

They can accommodate you Mondays to Fridays from 6 AM to 6 PM PT and Saturdays from 6 AM to 3 PM PT.

• Find out when QuickBooks Payments deposits customer payments.
• QuickBooks Payments FAQ

I'm all ears if you have more questions regarding ACH payments in QuickBooks. Just leave your reply below, and I'll surely get back.

That scripted response is not helpful nor does it address the issue. Our account page with Payments/Intuit has clear pricing specific to our agreement and it does not match the fees we are currently being charged - yet there has been no change to our pricing that is contractual with our agreement. See attached. These are our rates and have been for years. No change. However the n/a seems to have not applied as no fee - as we get charged. And now I've noticed we are getting charged at a rate of 3.22% for all CC/Debit transactions that are clearly stated to be 3.14% + $0.25 each - and that is not currently happening as we are getting charged more than that. How do we resolve/who do we contact, as support and these help blogs seem to be getting us nowhere.

Resolving your concern about the processing fees is crucial for your business, JandJroofing. Please know that we take your concern seriously and we're committed to helping you in the best possible way.

Regarding the sudden changes in your processing fees, our QuickBooks Payments Team would be the right team to reach out to for this. They'll take a closer look at your account and have the expertise to investigate the issue, as well as provide you with the appropriate guidance.

Here's how to reach out to them: 

1. Click the Help menu in the upper-right-hand corner of QBO.
2. Proceed to the Assistant tab.
3. Type in "contact QuickBooks Payments" in the chat box and press Enter.
4. Select More payments help, then click I still have a Payments question.
5. Choose I have billing issues with Payments. 
6. Select between Have us call you or Chat with us.

Aside from that, there are also links to get in touch with our chat support and a phone number listed in this article: Contact Payments Support.

Just in case you require additional information and resources regarding transaction fees, I'd like to share these articles as well: 

• Understand Fees For Refunds Or Void Transactions
• Request A Rate Review Of QuickBooks Payments Discount Fees

Should you have any additional questions or concerns about receiving online payments and using our program for your business, please do not hesitate to reach out to us again. We're here to support you every step of the way.