Give your customers the convenience of paying you via credit card to be confident that you’ll get paid.
Easily set up a merchant account with QuickBooks Payments and either swipe your customer’s credit card or manually enter their credit card details.
QuickBooks, as the credit card processor, will submit the request to the card payment brand (like Visa or MasterCard) who will send the request to the bank that issued the card.
The bank will approve or decline the transaction and send a response to the payment brand, who will send the response to QuickBooks, who will send the response to you. All of this take just a few seconds to complete.
If the card is approved, the issuing bank will send the money through the credit card network to your bank account within 2-4 business days. Whether you use a credit card machine, QuickBooks, or a mobile credit card reader, every credit card transaction will follow these basic steps.
Process a credit card payment and record the transaction in one easy step with QuickBooks.
|Pay as you go|
|Bank Transfer (ACH)||Free|
|Card - Invoiced||2.9% + 25¢|
|Card - Keyed||3.4% + 25¢|
|Pay as you go|
|QuickBooks Online||$0/moGet started|
| Bank Transfer (ACH) |
You process a Bank Transfer payment in QuickBooks or a customer pays an invoice online with a Bank Transfer payment.
| Card - Invoiced |
A customer pays an invoice online with a credit card.
|2.9% + 25¢|
| Card - Keyed |
You manually enter a credit card number or set-up a recurring credit card payment.
|3.4% + 25¢|
You’ll pay different rates depending on how each transaction was processed. Swiping a card in person will often give you the lowest rate. Contain your costs by processing your transactions at the qualified rate whenever possible. See qualified rate, mid-qualified rate, non-qualified rate.