QuickBooks
Keep more of what you make with competitive payment rates
Get affordable rates and fast deposit speeds. No setup costs or hidden fees—just pay as you go.
Square
Stripe
Cards & digital wallets
Invoices, recurring payments, or quick requests paid using Visa, Mastercard, Discover, American Express, Apple Pay, PayPal, and Venmo
2.99%
3.3% + 30¢
No PayPal or Venmo
2.9% + 30¢*
No PayPal or Venmo
ACH bank payments
Invoices or quick requests paid using an electronic transfer that pulls money from a customer’s bank account into yours
1%
1%
$1 min
1.2%
In-person payments
Payments taken in-person with a card reader or Tap to Pay on iPhone. Accept Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, and Samsung Pay.
2.5%
2.6% + 10¢
2.7% + 5¢*
Keyed-in cards
Payments processed by manually entering a customer’s card information.
3.5%
3.5% + 15¢
3.4% + 30¢*
Buy now, pay later
Get paid upfront and let customers pay over time.
2.99%
Affirm
6%+ 30¢
Afterpay
6% + 30¢
Affirm
Cards & digital wallets
Invoices, recurring payments, or quick requests paid using Visa, Mastercard, Discover, American Express, Apple Pay, PayPal, and Venmo
QuickBooks
2.99%
Square
3.3% + 30¢
No PayPal or Venmo
Stripe
2.9% + 30¢*
No PayPal or Venmo
ACH bank payments
Invoices or quick requests paid using an electronic transfer that pulls money from a customer’s bank account into yours
QuickBooks
1%
Square
1%
$1 min
Stripe
1.2%
In-person payments
Payments taken in-person with a card reader or Tap to Pay on iPhone. Accept Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, and Samsung Pay.
QuickBooks
2.5%
Square
2.6% + 10¢
Stripe
2.7% + 5¢*
Keyed-in cards
Payments processed by manually entering a customer’s card information.
QuickBooks
3.5%
Square
3.5% + 15¢
Stripe
3.4% + 30¢*
Buy now, pay later
Get paid upfront and let customers pay over time.
QuickBooks
2.99%
Affirm
Square
6%+ 30¢
Afterpay
Stripe
6% + 30¢
Affirm
Rates are accurate as of 04/30/2026. All listed rates are per transaction. Not all payment plans shown; only most comparable plan by feature are highlighted. *Stripe may charge an additional 0.4%/0.5% fee per paid invoice based on plan.
** Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. For example, a $1,000 purchase might cost $90.26/mo over 12 months at 15% APR. Options depend on the purchase amount, and a down payment may be required. For licenses and disclosures, see affirm.com/licenses.
Buy now, pay later features have limited availability and are subject to change. Features may be more broadly available soon.
QuickBooks
Square
Stripe
Payment dispute protection
We’ll cover up to $25,000 per year—$10,000 per dispute on card payments.**
Starting at .99%
N/A
N/A
Instant deposits
Get deposits instantly including nights, weekends, and holidays.
1.75%
1.75%
1%
Payment dispute protection
We’ll cover up to $25,000 per year—$10,000 per dispute on card payments.**
QuickBooks
Starting at .99%
Square
N/A
Stripe
N/A
Instant deposits
Get deposits instantly including nights, weekends, and holidays.
QuickBooks
1.75%
Square
1.75%
Stripe
1%
Tap to Pay on iPhone
With Tap to Pay on iPhone and the QuickBooks mobile app, you can accept all types of in-person, contactless payments right on your iPhone—no card reader needed.
In your corner when you need us
Let’s talk discounts
Process over $2,500 per month? You could qualify for up to 25% off transaction costs.1
Call 800-264-1859
Mon-Fri, 6 AM to 4 PM PT
Visit our support hub
Find help articles, video tutorials, and connect with other businesses in our online community.
Frequently asked questions
Manage all kinds of payments in one place
Download the QuickBooks mobile app to start taking payments from anywhere.
Call Sales: 1-800-264-1859
