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receive ACH payment fees
I would like to set up in QBO for our nonprofit to receive monthly recurring tuition payments. I'm getting conflicting info on the fees. A Jan 2019 article (https://fitsmallbusiness.com/how-to-accept-recurring-payments/ - jpg attached) shows Free for ACH but when I go to Account Settings > Payments the fee shows 1% ($10 max) for Bank Transfer.
Has the fee increased since January or am I not finding the correct info in QB?
Solved! Go to Solution.

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It's great to have you back in the Community, @annstephens.
There are several terms of payment schemes when using QuickBooks Payments. I'd like to help route you to our Merchant Services Teams to identify how you will be charged with the ACH payment and what possible scheme you can have for your account.
You can get their contact information through this link: QuickBooks Online Payments.
You can also refer to this blog for more information about eChecks: Process an ACH bank transfer from a customer in QuickBooks Online.
Let me know if you have other questions about ACH payments. I'll be here to help however I can.
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Can you please explain if the rates had gone up? In the terms it says "0.50" per transaction and in other terms it says 1% and up to $10
??
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Thanks for following on this thread, @elig.
To check if the rates increase, we’ll have to access your Merchant account and review it. Safety and security of our customers' information is our top priority.
I'm unable to request the sensitive data required to look at your subscription in a public space like the Community. I recommend you get in touch with our Merchant Services Team.
One of our support specialists will be able to explain in detail regarding the 0.50 per transaction and the 1% and up to $10 found on another term. The most up to date contact details can be found through this link: Payments Support.
I don’t want to leave you empty-handed, so I’m adding the following article. It provides an overview of the overview of fees and plans for QuickBooks Payments: Credit Card Processing Fees & Rates Explained.
Keep me posted if you have any other concerns or questions. I’ll pop right back to answer them for you. Have a great rest of the day.
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Explore this 3rd party payment service to pay with a bank transfer or ACH transfer for free.
https:// melio.grsm.io/quickbooks
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Thanks!
Looks like a solid solution for b2b. Apparently, you cannot accept funds from non-business bank accounts. I'm not sure how they'd monitor that but that was support is telling me.
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Thanks @Fiat!
Apparently that is a workable solution for b2b. However, is seems that you cannot accept donations form non-business bank accounts. That is what support has told me.
If someone has experience with this or if you have another solution please share.
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Hi @elig,
There are several fixed for rejected ACH payments or fees. Let me share them with you for your guidance.
- Know the R## codes.
- Contact our Merchant Team to resolve the issue.
To begin with, I'll share with you the list of R## codes. These are the codes emailed to your when ACH is rejected. It contains the meaning of every code and what you can do to fix it. Here's the link: Fix rejected ACH payments or fees in QuickBooks Payments.
Then, reach out to our Merchant Support Team so they can restart the deposit, or debit the blocked processing fees.
As always, feel free to visit our page about payments for more tips and recommendations.
Don't hesitate to come back to the Community is you need help with anything else. We're here to help. Thanks for joining and have wonderful weekend.
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I wasn't asking about codes. My main concern is pricing. I run a small non-profit and I'd like to set up the ACH with the lowest fees.
Melliu is nice but doesn't seem to have the ability to SCHEDULE RECURRING incoming payments.
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Hello there, @elig.
To find out more about the rates, fees, and how our Payments (Merchant Services) Service will work with your business, then you can refer to my colleague's @Rasa-LilaM post about how to get in touch. Rest assured, an agent will give you more detailed information and answer any questions you may have.
I'm always here if you have any other questions or concerns about QuickBooks. Have a great day!
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Unhappy customers alert:
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Explore these apps to accept ACH payments for free.
https:// melio.grsm.io/quickbooks
https:// veem.grsm.io/veems
Otherwise, there are many options in the market to replace your QBO completely. Contact us in private should you need to purchase a 3rd party conversion service.
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Hi.
ACH Bank Transfer payments used to be free. Now I'm paying 1% for each payment. Has this changed? How can I go back to 0% fee?
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It is a new policy. Explore the options as I mentioned earlier to accept ACH payments for free.