How much does quickbooks charge for credit card payments?

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QuickBooks is a popular accounting software that offers a range of features to help businesses manage their finances. One of the key functionalities it provides is the ability to accept credit card payments. Many businesses rely on this feature to streamline their payment processes and provide convenience to their customers. However, it is essential to understand the costs associated with accepting credit card payments through QuickBooks. In this article, we will explore how much QuickBooks charges for credit card payments and the factors that can influence these costs.

Understanding QuickBooks Credit Card Payments

Before delving into the pricing details, it is important to understand how credit card payments work within QuickBooks. QuickBooks offers two main options for accepting credit card payments: QuickBooks Payments and QuickBooks Payments with a third-party merchant account.

QuickBooks Payments is an integrated payment solution that allows businesses to accept credit card payments directly within the QuickBooks software. It offers a seamless experience, as payments are automatically recorded in the accounting system. On the other hand, QuickBooks Payments with a third-party merchant account enables businesses to use their existing merchant account provider while still integrating with QuickBooks.

Pricing for QuickBooks Payments

QuickBooks Payments has a straightforward pricing structure. It charges a flat fee per transaction, which varies depending on the payment method used. Here are the current rates for QuickBooks Payments:

1. Swiped or dipped payments (in-person transactions): 2.4% + $0.25 per transaction.
2. Invoiced payments (online transactions): 2.9% + $0.25 per transaction.
3. Keyed payments (manually entered transactions): 3.4% + $0.25 per transaction.

It is important to note that these rates are subject to change, so it is always recommended to check the official QuickBooks website or contact their customer support for the most up-to-date pricing information.

Pricing for QuickBooks Payments with a Third-Party Merchant Account

If you already have a merchant account with a third-party provider, you can still integrate it with QuickBooks to accept credit card payments. In this case, the pricing will depend on your merchant account provider. QuickBooks does not charge any additional fees for using a third-party merchant account, but you will need to pay the fees set by your provider. These fees can vary significantly, so it is crucial to review the terms and conditions of your merchant account agreement to understand the costs involved.

Factors that Influence Pricing

While the pricing mentioned above provides a general idea of how much QuickBooks charges for credit card payments, it is important to consider other factors that can influence the overall costs. These factors include:

1. Transaction volume: The more credit card transactions you process, the higher the overall fees will be. It is essential to assess your business’s transaction volume and consider whether the benefits of accepting credit card payments outweigh the associated costs.

2. Card type: Different credit card types may have varying processing fees. For example, rewards cards or corporate cards may have higher fees compared to standard credit cards. It is important to understand the fee structure for each card type to accurately estimate your costs.

3. Payment method: The method through which payments are processed can also impact the fees. Swiped or dipped payments generally have lower fees compared to manually entered or online transactions. Consider the payment methods commonly used by your customers to determine the potential costs.


QuickBooks offers businesses the convenience of accepting credit card payments through its integrated payment solution, QuickBooks Payments. The pricing for credit card payments varies depending on the transaction method, with different rates for swiped, invoiced, and keyed payments. Additionally, businesses can integrate QuickBooks with a third-party merchant account, in which case the pricing will depend on the merchant account provider. It is essential to consider factors such as transaction volume, card type, and payment method to accurately estimate the costs associated with accepting credit card payments through QuickBooks.


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