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  • Instantly payable invoices
    Instantly payable invoices
    Accept credit card payments and debit cards online.
  • Get paid on the go
    Get paid on the go
    Take contactless, in-person payments with our mobile app and card reader.
  • ACH and eChecks
    ACH and eChecks
    Let customers pay digitally, instead of by mail.
  • Schedule in advance
    Schedule in advance
    Set recurring invoices to be automatically sent and paid.


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Add a button to your invoices to let customers pay online. Get paid 2x faster than you would with paper invoicing.1

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QuickBooks Payments fast and protected funds
QuickBooks Payments fast and protected funds
QuickBooks Payments fast and protected funds

Deposits that work as fast as you

Have money on hand when you need it. Eligible payments are deposited next business day—or instantly for an extra 1% fee.**

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QuickBooks Payments fast and protected funds
QuickBooks Payments fast and protected funds
QuickBooks Payments fast and protected funds

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When customers pay through QuickBooks Payments, we’ll record and match it for you. Your books stay effortlessly organized for tax time and all year long.

QuickBooks Payments fast and protected funds
QuickBooks Payments fast and protected funds
QuickBooks Payments fast and protected funds
  • Square*
  • ACH
    An electronic money transfer between banks that pulls money from your customers bank account and pushes it to your bank account.
  • Keyed
    Manually typing in a customer’s credit or debit card info. For example, taking payment over the phone.
  • Invoice
    Sharing an online invoice with your customer, who then pays it using a credit or debit card.
  • Card reader
    Card payments processed by insert, tap, or digital wallet with a card reader.
  • 1%
    max $10
    (min $1)
    + 30¢
  • 3.4%
    + 25¢
    + 15¢
    + 15¢
  • 2.9%
    + 25¢
    + 30¢
    + 30¢
  • 2.4%
    + 25¢
ACH An electronic money transfer between banks that pulls money from your customers bank account and pushes it to your bank account.
  • QuickBooks
  • Square*
  • Paypal*
  • 1% max $10
  • 1% (min $1)
  • 2.9% + 30¢
Keyed Manually typing in a customer’s credit or debit card info. For example, taking payment over the phone.
  • QuickBooks
  • Square*
  • Paypal*
  • 3.4% + 25¢
  • 3.5% + 15¢
  • 3.5% + 15¢
Invoice Sharing an online invoice with your customer, who then pays it using a credit or debit card.
  • QuickBooks
  • Square*
  • Paypal*
  • 2.9% + 25¢
  • 2.9% + 30¢
  • 2.9% + 30¢
Card reader Card payments processed by insert, tap, or digital wallet with a card reader.
  • QuickBooks
  • Square*
  • Paypal*
  • 2.4% + 25¢
  • 2.6% +10¢
  • 2.7%
*Rates are accurate as of 3/31/2021. Fee comparison excludes PayPal ACH for sending money to friends and family.

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Frequently asked questions

All you need to know about accepting payments (but were afraid to ask)

March 21, 2019
There are all kinds of ways to get paid
There are more ways to get paid than ever before. Here are the most common, along with some tips and tricks for how to get paid without any hitches.
  1. Cash payments
It might seem like credit cards and digital payments have taken over, but cash is still a widely-used form of payment for in-person, one-time purchases.
Receiving cash for your goods and services is probably the most straightforward payment method, and that’s why cash payments can sometimes go unrecorded. Technically, it’s income—so don’t forget to record it. It’ll also help you to monitor your overall cash flow. And it’s far better than getting dinged in an IRS audit.
  1. Credit card payments
Businesses accepting credit cards offer convenience and flexibility for customers. They can be used for remote or in-person purchases, or one-time and recurring payments.
As a result, many business owners want to learn more about how to accept credit card payments. Doing so requires a merchant account and a payment gateway—which helps to facilitate your payment transactions between a payment portal (like your website) and the one who’s processing the payment (like your bank).When a customer pays for something with their credit card on your website, that information goes through the payment gateway first. The best part? A payment gateway lets you process your credit card payments securely. When your transaction is approved, the money is transferred into your merchant account first. You can then transfer it to your business bank account after.
There are some costs associated with accepting credit card payments. There’s usually a setup fee for your merchant account. Payment providers may also assess a fee for each transaction, or they may charge a monthly fee—sometimes both. Although accepting credit card payments may come with setup fees, transaction charges, or monthly fees, those costs are usually well worth doling out in return for the business you’ll get.
  1. Paper check payments
Checks are still a popular form of payment, particularly for settling invoices. Much like accepting cash, check payments are also pretty straightforward.
In recent years, eChecks have seen a rise in popularity, allowing consumers to enter all of a check’s information online, and have money deducted straight from their account.
Here are some things to be aware of when you’re dealing with paper check payments:
  • Post-dated checks
  • Out-of-state checks
  • Un-personalized, unnumbered, or temporary checks
  • Checks that include cash back
To help protect your business, you may want to consider creating a detailed policy around how to handle bounced checks so you have a fallback plan.
  1. ACH payments
Automated Clearing House (ACH) payments occur when money is transferred from one bank account to another.
Let’s say you own a cleaning service and do weekly cleanings for an office building. Instead of sending an invoice or collecting weekly payments from your client, you can simply set up ACH payments so that the payments are automatically deducted from your client’s bank account and deposited into yours.
QuickBooks offers ACH bank transfers for an affordable fee. You can also talk with your bank or credit card processor to see if they can process ACH payments for you. There may be fees associated with ACH, but it usually costs less than taking a credit card payment.
  1. Digital payments
When it comes to taking payments online, credit cards are often the top choice, but mobile payments and digital payments—like PayPal, Apple Pay, and Amazon Pay—have increasingly become popular because of their convenience and security.
Referred to as “digital wallets,” these payment methods make it easier and more secure for customers to pay online. And customers can make purchases using any of the payment methods stored in their digital wallets—even if they’re not purchasing from the place where the wallet is stored.
Make sure to check out the fine print so that you’re aware of any fees associated with the digital wallet you’re using.
The importance of detail record keeping
Not only is record keeping important for monitoring the health and success of your business, you’ll also need all that information for paying taxes, providing a detailed report of your income to the IRS, and other financial-related tasks.
It might be a good idea to set up an accounting system that makes it easy to log every payment you receive. It’ll save you lots of time (and stress).
Other considerations when accepting payments
Now that you’ve gotten an overview of what you should know when accepting payments for your products and services, it’s time for the fun part. You can determine what payment methods to accept, set up your accounts and processors, and keep a record of all your transactions.
Other topics you’ll want to research that we haven’t covered include sales tax, different currencies, refunds, and returns, just to name a few. Soon you’ll be a payments expert, and getting paid will be both rewarding and painless.
Information may be abridged and therefore incomplete. This document/information does not constitute, and should not be considered a substitute for, legal or financial advice. Each financial situation is different, the advice provided is intended to be general. Please contact your financial or legal advisors for information specific to your situation.

Accepting credit cards for your business: Pros & Cons

By Kat Boogard March 24, 2019
Accepting credit cards in today’s small business marketplace can translate into closing every sale, maintaining a healthy cash flow—even delivering good customer experience.
Credit cards in today’s marketplace
Credit cards have evolved into the most common method of consumer payment, with nearly 60% of U.S. consumers using credit cards over cash, according to a recent report by the Federal Reserve. Some businesses offer credit to customers through invoices and personal checks, while retailers and other merchants generally offer credit by accepting credit card payments.
Despite the growing use of plastic over cash, a GoPayment survey discovered that more than half of U.S. small businesses—a staggering 55%—don’t accept credit card payments.
Although there are obvious benefits to accepting credit cards from customers, there are also some risks associated with managing credit card purchases. It’s worth taking a look at the costs and benefits of accepting credit card payments, as well as the payment systems available for your business.
Let’s talk about the costs
Here are two questions you’ll want to answer before you decide to accept credit card payments:
  1. How much does it cost to accept credit card payments?
  2. What are the benefits of accepting credit card payments?
For small business owners, the biggest hurdle to moving from a cash-only system to one that accepts credit card payments is processing fees. Payment processing fees typically average between 2% – 3%, but can vary depending on how the transaction is routed from your business to the credit card company.
To get around transaction fees, you can usually open up your own merchant account with your local bank. Once you’ve opened your merchant account and decided on your credit card processing method (like a point-of-sale system, virtual terminal, etc.), you’ll also want to keep the following in mind:
  • Merchant account setup fees, which can range from $50 – $200.
  • Credit card processing and transaction fees, which can run between 2% – 3% per transaction. You can be charged up to 4% for international transactions (and if applicable, a currency conversion fee).
  • Implementation costs for setting up equipment like point-of-sale terminals.
  • Customer chargeback fees if the customer decides to dispute a credit card transaction.
  • Fraud accountability: Some banks and credit card issuers may hold your company accountable for fraudulent charges and ask you to reimburse those charges. In more extreme cases, banks and credit issuers may decide to close your account.
Let’s touch on the benefits
There are many benefits to accepting credit card payments. According to a number of studies, credit card and mobile payments will only continue to rise in usage in the coming years. Small business owners who choose the cash-only route will miss out on a significant chunk of sales.
Imagine that a customer is purchasing some goods or services from your small business. You tell them their total—whether it means ringing up their items or sending an invoice—and then ask how they’ll be paying.
They ask if you accept credit cards. How do you respond?
If your immediate thought was, “Nope, definitely not!” rest assured that you aren’t alone. Research estimates that 55% of small businesses don’t accept credit card payments from customers.
However, it’s important to recognize that it’s one of the most popular forms of payment out there. In fact, 33% of consumers indicate that a credit card is their preferred way to pay for any type of purchase.
It makes sense. Credit cards are convenient, as they don’t require consumers to carry around wads of cash. They’re mindless, as customers simply need to swipe rather than count change or bills. And, on top of all of that, they increase purchase power—because people have the flexibility to spend more money than they have at that exact point in time.
But despite the fact that they’re an obvious choice for a lot of consumers, many small businesses are still resistant to credit cards.
There are some definite downsides to letting customers pay with credit, but that doesn’t mean that those drawbacks automatically outweigh the positives. This post explores the advantages and disadvantages of accepting credit cards, so that you can make an informed choice about what’s best for your business.
Advantages of accepting credit cards
If you’re like most business owners, you instantly get hung up on the potential drawbacks (yes, like the associated fees) of accepting credit card payments—and we’ll get to those pitfalls a little later.
But let’s start with the positives first. Credit cards do present a lot of advantages for not only your customer, but for your small business as well.
  1. Accepting credit cards improves convenience for your customers
As previously mentioned, many customers prefer to pay with cards. While one 2018 survey of 1,222 consumers shows that debit cards reign supreme as the most popular method, credit cards are a close second. If you add debit and credit cards together, 80% of customers prefer to pay with plastic.
In contrast? Only 14% specified a preference for using cash.
A lot of this comes back to convenience. Paying with a card offers a far more streamlined experience than needing to dig change out of their pockets or fill out a check.
That’s important, because convenience is top of mind for many modern consumer—especially as younger generations join the ranks and painless online shopping experiences become the standard.
If you look at just online shopping in particular, 26% of online shoppers will abandon their shopping carts because the checkout process was too complex and another 6% will leave if there aren’t enough payment methods available. This makes it obvious that convenience is a demand that today’s customers expect to have met—and that holds true whether they’re shopping online or in-store.
Credit cards aren’t only convenient because they’re slimmer in your customers’ wallets, but they also streamline the payment experience, which as the above statistics prove, is a delicate time in the customer journey. Credit cards allow them to get what they want when they want it, with very little effort on their end.
That simplified experience is powerful, but it isn’t all that’s at play here. Many customers view using credit as more than just a convenience. They actually see it as an advantage, as they’ll earn rewards points for their purchases.
Believe it or not, credit card rewards are a major motivator for shoppers. When asked what features were most attractive in their credit card, 55% of survey respondents said rewards. That made it the top-ranking feature—even above seemingly more practical things like payment options and interest rates.
In short, accepting credit cards is not only a way to simplify the payment process and foster greater loyalty with your customers, but also to make them feel like they’re achieving something even greater (i.e. potential for rewards) by spending their money with you.
  1. Accepting credit cards can lead to more sales
That increased level of convenience means that more of your customers are actually willing to open their wallets and pay.
Why? Well, the reasoning is simple enough: They don’t have to worry about having the cash on hand. As long as they have their credit card in their back pocket, they’re able to make a purchase—and they don’t even have to worry about how they’ll actually pay for it until much later.
The research is there to back these sales boost up. One survey found that 83% of small businesses that accepted credit cards saw an increase in sales. 52% of businesses surveyed made at least $1,000 more per month, and 18% made at least $20,000 more per month.
Fees are some of the biggest credit card concerns for small business owners, and it’s a valid worry. However, there’s the obvious potential to more than makeup for what they pay for accepting credit card payments.
  1. Accepting credit cards can increase your profits
Obviously, you don’t need to be a math whiz to figure this one out: more sales equals greater profits for your business.
However, it’s not only the quantity of sales that gives your business a boost—it’s the value of each of those sales. Plenty of research proves that customers actually spend more when they’re paying with credit cards.
Put yourself in the shoes of your consumer. If you walked into a shop with $50 in your pocket that you can spend, you’d carefully make every single decision with that budget in mind. You’d evaluate your options. You’d check every price tag. You’d mentally add the cost of items as you picked them out.
But if you’re planning on paying with credit? Beyond your credit limit (which is usually way more than you’d spend anyway), there’s no real restrictions on how much money you can hand over that day. You have tons of purchase power, because in a lot of ways, paying with credit doesn’t feel like real money.
Hence why people are far more spendy when paying with plastic. One of many studies shows that participants (business students, in this particular case) were willing to spend as much as 83% more when paying with a credit card than when paying with cash.
While it might not mean great things for your own budget as a shopper, it can be a positive for your business’ bottom line.
  1. Accepting credit cards can improve your cash flow
There are plenty of challenges associated with being a small business owner, but cash flow management is one of the most frequently cited.
According to the 2016 National Federation of Independent Business Small Business Priorities and Problems report, cash flow ranked as number 25 on the list of the biggest problems plaguing small businesses.
That might not sound too pressing. But considering that it ranks ahead of things like competition from large businesses and employment regulations, it’s definitely a major concern.
The good news is that accepting credit card payments can actually improve your cash flow, because you’ll get the money you’re owed promptly—especially when compared with checks, which can take a while to clear. Credit card processing times can vary, but merchants usually have the money within one to three days.
Not having to wait on the money that’s rightfully yours makes it that much easier to know what you have, manage your business’ cash flow, and (hopefully) stay in the black.
Disadvantages of accepting credit cards
If credit cards offer so many benefits, then why do 55% of small businesses still avoid accepting these types of payments?
As you already know, this payment form isn’t all positives. Like making any other choice for your business, there are also some drawbacks that you need to be aware of.
  1. Credit cards have processing fees
The fees associated with accepting credit cards are one of the biggest hurdles for businesses who are debating accepting this form of payment. According to that same NFIB report, credit card payment processing costs rank as number 38 on the list of problems facing small businesses.
Indeed, there is a cost involved with credit card payments. The exact price varies depending on things like the average transaction and the type of business. However, processing fees typically range between 1.5% to 2.9% for swiped credit card transactions, and 3.5% for keyed-in transactions (due to the greater risk).
Because of this, many business owners assume that avoiding credit card payments saves them money. But again, that’s hardly ever the case. While the associated fees can be a slight annoyance, there’s generally still a cost benefit associated with accepting card payments from your customers.
  1. Credit cards mean you might have to deal with chargebacks
Accepting credit card payments also introduces a few risks for small businesses, such as the potential for chargebacks.
A chargeback happens when a credit card payment is either fraudulent or disputed by the customer. When that happens, the credit card provider can demand that the retailer makes good on the loss of that transaction—essentially covering the cost.
This has also led to an increase in something called “friendly fraud,” which happens when the purchaser requests a chargeback directly from the bank rather than working out any issues directly with the retailer (such as filing a return or requesting a refund). It’s surprisingly frequent, and eight in 10 customers admit to filing a chargeback rather than working out issues directly with the seller.
Not only does all of this mean that the business might take a financial hit for that transaction, but they also have to invest time and energy into dealing with the administrative headaches involved in this sort of dispute.
That type of hassle is enough to make business owners wary of getting involved with credit card payments altogether. Cash and checks seem simpler, and less prone to these types of issues.
  1. Credit cards introduce the potential for fraud
We’ve already mentioned the growing risk of friendly fraud, but credit cards open businesses up to more fraud risks than just those of shoppers trying to scam the system and score free items. There’s the potential for real fraud as well-meaning charges for purchases that the customer never actually made themselves.
Credit card fraud has been of increasing concern for both businesses and consumers. It’s estimated that 46% of Americans have had their card information compromised within the last five years.
This rising fraud comes at a steep cost for businesses. According to one report, organizations lose 5% of their annual revenue to fraud. That means if your business has $500,000 in revenue, you could be losing up to $25,000 to fraud.
Since small businesses have fewer resources and smaller account departments, they often have a difficult time identifying or catching credit card fraud before it happens. They assume that the easiest way for them to prevent credit card fraud is to not accept credit card payments in the first place.
Cash isn’t always king: Should your small business accept credit cards?
Traditional wisdom would have you believe that cash is king, but that certainly isn’t the case anymore with a large percentage of consumers choosing to pay with plastic.
There’s no denying that there are some negatives related to accepting credit card payments. But those are generally more than balanced out by the benefits, such as increased customer loyalty and even greater sales.
While accepting credit cards is ultimately a personal choice, business owners need to be aware that customer demands are constantly evolving, which means the payments landscape is shifting as well.
Businesses who wish to stay relevant and competitive will need to keep up with these expectations—and accepting credit cards is definitely a step in the right direction.
Information may be abridged and therefore incomplete. This document/information does not constitute, and should not be considered a substitute for, legal or financial advice. Each financial situation is different, the advice provided is intended to be general. Please contact your financial or legal advisors for information specific to your situation.


Instant Deposit: Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria, including delayed eligibility for new users and availability for only some transactions. The service carries an extra 1% fee in addition to standard rates for ACH, swiped, invoiced, and keyed card transactions. Deposits are sent to the bank account linked to your QuickBooks Debit Card or another eligible debit card in up to 30 minutes. Deposit times may vary for third party delays.

Free Instant Deposit: Only available for QuickBooks Payments transactions using Instant Deposit that are deposited into a QuickBooks Cash account. Includes use of Instant Deposit without the additional cost. Standard payment processing rates apply for transactions qualifying for Instant Deposit.

Next-day deposit: Next-day deposit features are subject to eligibility criteria. Subscription to QuickBooks Online may be required. We anticipate that a large majority of customers who use bank transfers (ACH) with QuickBooks Payments will receive next day bank transfer (ACH) deposits as transaction history is established. New payments customers will be notified when next day bank transfer (ACH) eligibility is established. For next day deposits, payments processed before 3:00 PM PT arrive at your bank the next business day (excluding weekends and holidays). Deposit times may vary for other payment methods, third party delays or risk reviews.

QuickBooks Card Reader: Data access is subject to cellular/internet provider network availability and occasional downtime due to system and server maintenance. Product registration and QuickBooks Payments account required. Account subject to eligibility criteria, credit and application approval. Terms, conditions, features and services are subject to change. Use is subject to important terms of service and licenses information: quickbooks.intuit.com/payments/legal/

**Product information

QuickBooks Payments account: QuickBooks Payments account subject to eligibility criteria, credit and application approval. Subscription to QuickBooks Online may be required.

QuickBooks Payments and QuickBooks Cash accounts: Users must apply for both QuickBooks Payments and QuickBooks Cash accounts when bundled. QuickBooks Payments’ Merchant Agreement and QuickBooks Cash account’s Deposit Account Agreement apply.

QuickBooks Cash account: Banking services provided by and the QuickBooks Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to license from Visa U.S.A. Inc. Green Dot Bank also operates under the following registered trade names: GoBank, GO2bank and Bonneville Bank. Registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Green Dot is a registered trademark of Green Dot Corporation. ©2021 Green Dot Corporation. All rights reserved. QuickBooks products and services, including Instant Deposit, QuickBooks Payments, Cash flow planning / forecasting are not provided by Green Dot Bank.

FDIC insured up to $250,000: QuickBooks Cash Account funds are FDIC-insured up to the allowable limits through Green Dot Bank, Member FDIC upon verification of Cardholder’s identity. Coverage limit is subject to aggregation of all of Cardholder’s funds held on deposit at Green Dot Bank.


1. ‘Get Paid Twice As Fast’ Disclaimer: ‘Twice as fast’ based on U.S. customers using QuickBooks Online invoice tracking and payment features compared to customers not using these features from Aug 2019 to Jul 2020.

Terms, conditions, pricing, special features, and service and support options subject to change without notice.