What are the ach payment fees Quickbooks Online charges?

The fees for ACH payments and processing depend on the method of payment used, Luisa. I'll share further details on this matter.

When you utilize QuickBooks Payments to accept payments, there's a transaction fee charged, which is subject to change based on the method of payment used: 2.5% for swiped cards, 2.99% for invoiced payments, and 3.5% for keyed payments. If you choose ACH payments, you'll be levied a 1% fee, with a maximum of $10 per transaction. 

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

To know when your customer payments will be deposited into your account, refer to these articles:

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

Keep me in the loop if you have further inquiries about ACH payments and fees. I'm always around at any time to help you. Have a good one.

Why was I charged 4% for a customer paying with a credit card. A $7000 charge resulted in me losing $240 for a fee. I lost a days worth of labor charges for a fee. Why

I know that credit card processing fees can accumulate and that maintaining a steady cash flow is crucial for small businesses, SpartanProperties.

When processing payments online, there are charges applied depending on the mode of payment being used. To investigate the reason why you are being charged a 4% fee for a customer paying with a credit card, I recommend reaching out to our Merchant Services Support Team. They are equipped with the necessary tools to access your account in a secure environment and investigate the issue.

To reach them, click the Chat with us link or get the phone number in this article: Contact Payments Support. Then, go to the QuickBooks Payments section.

You can also visit this link for more details about the rate fee when processing online payments: Standard Payment Fees & Rates.

Additionally, if you need to know how long it takes for customer payments to be deposited into your bank account after processing, you can refer to this article: Find out when QuickBooks Payments deposits customer payments.

If you require further assistance with receiving customer payments, don't hesitate to reach out to us again. I'm always here to assist you. Have a wonderful day, SpartanProperties!

My QB says a 1% fee for ACH.  (Not max $10)  How can I change to max $10 per transaction?

Thanks for letting us know about your concern, @rhurd. Let me provide insights into changing the ACH rate fees in QuickBooks Online (QBO).

Modifying the ACH rate per transaction isn't possible until there's a rate change. However, you can reach out to our Payment Support to request a rate review and check if you qualify for discounted fees.

Here's how:

1. Sign in to your QuickBooks Online company.
2. Select Help at the top right.
3. Select or type Contact Us.
4. Enter a brief description of your concern.
5. Choose a way to connect with us: Start a chat or Have us call you.

Refer to this article for guidance on requesting and eligibility requirements for discount fees: Request a rate review of QuickBooks Payments.

Additionally, you can check out this article to learn how to accept electronic payments for invoices and in-person sales with QuickBooks Payments: Take and process payments in QuickBooks Online with QuickBooks Payments.

I'm always around if you have additional questions regarding the ACH fee or other related concerns in QuickBooks Online. I'm just one post away. Have a good one.

The guidance on ACH fees is confusing and inconsistent.  On some pages, it indicates that the ACH processing fee is 1% of the transaction.  On other pages and Q&A it lists the fee as 1% ($10 max).  Which is it and why is it so difficult for QBO to give a straight answer?

I can see how the varying information on our website might lead to some confusion, DCMita. Let me clarify the most accurate and up-to-date information regarding ACH processing fees for QuickBooks Online.

The standard ACH processing fee for QuickBooks Online (QBO) transactions is 1% of the transaction amount. However, some inconsistencies in our Q&A sections arise due to differences in subscription plans and discount eligibility.

For existing customers who have requested a rate review, the cap on the standard fee is set at 1%, with a maximum of $10 or $15, depending on their current QBO subscription plan or qualification status.

I suggest visiting this article to find out if you qualify for discounts and how to request a rate review for your account: Request a rate review of QuickBooks Payments discount fees.

If you qualify for a rate review of QuickBooks Payments discount fees, I recommend contacting our payments team. Log in to your QBO account using a web browser. Then, follow the steps below to get in touch with them.

1. Go to the Help menu at the upper right.
2. Choose the Search tab.
3. Select Contact Us at the bottom of the screen.
4. In the Ask about something else section, enter your concern.
5. Hit on Continue and choose a way to connect with us.

Our customer service hours are Monday through Friday from 6 AM to 6 PM PT.

Additionally, I’ve included links to articles that address commonly asked questions about QuickBooks Payments and how to accept electronic payments in QBO:

• Common questions about QuickBooks Payments deposits in QBO
• Take and process payments in QBO with QuickBooks Payments

Tap the Reply button if you have other questions or concerns about payment fees in QuickBooks Online. It’s important to us that our customers have a clear understanding of all charges. I’m here to help clarify any uncertainties you may have.

@DCMita 

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