QuickBooks Payments rates
QuickBooks lists these rates, “accurate as of 09/18/2026” (QuickBooks Payments rates):
- Invoices, recurring payments and payment links by card or wallet: 2.99%.
- ACH bank payments: 1%.
- In person: 2.5% with the card reader or Tap to Pay.
- Keyed-in cards: 3.5%.
- Buy now, pay later: 2.99%.
No fixed per-transaction fee is listed on these rates. Instant deposit costs an extra 1.75%.
| A $1,000 payment | Fees | Fee rate | You keep |
|---|---|---|---|
| Invoice paid by card | $29.90 | 2.99% | $970.10 |
| Bank transfer (ACH) | $10.00 | 1.00% | $990.00 |
| In person | $25.00 | 2.50% | $975.00 |
| Keyed-in card | $35.00 | 3.50% | $965.00 |
| Card + instant deposit | $47.40 | 4.74% | $952.60 |
QuickBooks Credit Card Fees: Invoice, In-Person and Keyed
Card fees depend on how the card is taken. In person is cheapest at 2.5%, an invoice paid online is 2.99%, and typing a card number in yourself costs 3.5%, the highest because the card isn’t present. If customers read you their card over the phone, sending them a payment link instead saves half a point.
QuickBooks ACH Fee: 1% per Bank Payment
ACH is the cheapest way to get an invoice paid through QuickBooks: 1% of the amount. On a $5,000 invoice that’s $50 instead of $149.50 by card. We’d turn bank payment on for every invoice over a few hundred dollars and mention it in the invoice message.
Typed-in cards: the expensive habit
Taking a card over the phone and typing it in costs 3.5%: on a $250 sale that’s $8.75. Sending the customer a payment link instead costs 2.99% ($7.48), and an ACH link $2.50. If you key cards in often, that habit alone can cost more than switching processors would save.
| Fee | Amount | Charged on | When |
|---|---|---|---|
| Invoice paid by card or wallet | 2.99% | Payment amount | Invoices, recurring payments or payment links paid with Visa, Mastercard, Discover, Amex, Apple Pay, PayPal or Venmosource |
| Bank transfer (ACH) | 1% | Payment amount | Invoices or requests paid from the customer’s bank accountsource |
| In person (card reader / Tap to Pay) | 2.5% | Payment amount | Card presentsource |
| Keyed-in card | 3.5% | Payment amount | You type the card number insource |
| Buy now, pay later | 2.99% | Payment amount | Customer pays over time through Affirmsource |
| Instant deposit | 1.75% | Deposit | Optionalsource |
How QuickBooks compares for invoicing
PayPal invoices cost 3.49% + $0.49 through a PayPal balance and 1% (capped at $10) by bank, so on very large bank-paid invoices PayPal can be cheaper. See the PayPal invoice fee calculator, or compare processors with the credit card processing fee calculator.
