What does Intuit charge for credit card processing?

QuickBooks Payments lists 2.5% for in-person cards, 2.99% for cards paying invoices, 3.5% for keyed cards and 1% for ACH bank payments, as of 09/18/2026.

Is there a monthly fee for QuickBooks Payments?

The published rate card lists per-transaction rates only and says there are no setup costs. QuickBooks Payments runs inside QuickBooks, so count whatever QuickBooks plan you pay for when you compare totals.

How much is the QuickBooks ACH fee?

QuickBooks lists ACH bank payments at 1% per transaction. Its rate page does not show a cap, so check your own account terms if you take large ACH payments.

What does instant deposit cost in QuickBooks?

1.75% of the deposit, on top of the processing rate. Standard deposits do not carry that fee.

Intuit credit card processing fees: what QuickBooks Payments costs

Intuit credit card processing: what QuickBooks Payments really costs a small business

QuickBooks Payments, Intuit's card processing, charges 2.5% for in-person cards, 2.99% for invoiced cards, 3.5% for keyed cards and 1% for ACH bank payments, with no fixed per-transaction fee on its published rate card [1].

By Business Funders editorial teamUpdated Oct 21, 2026

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Wanting your books and your payments in one place is a sound instinct

If you already run your business in QuickBooks, taking cards inside it feels like one less system to babysit. That is a real benefit: payments land next to the invoice they pay, and reconciling takes minutes instead of an evening.

The worry is whether convenience is quietly costing you. It might not be. QuickBooks publishes its rates, and for some kinds of businesses they compare well. The way to know is to price your own month, which this post walks through.

Published rates only, applied to the same month. QuickBooks rates are per transaction as of 09/18/2026 [1]. Square shows the range across its plans [2]. Chase shows its published basic pricing [3]. Your own quote, card mix and plan can differ.
How the customer pays	Published rate	Fees on $10,000
QuickBooks, card in person [1]	2.5%	$250
QuickBooks, card paying an invoice [1]	2.99%	$299
QuickBooks, card keyed in [1]	3.5%	$350
QuickBooks, ACH bank payment [1]	1%	$100
Square, card in person [2]	2.4% + 15¢ to 2.6% + 15¢	$270 to $290
Square, card online or invoice [2]	2.9% + 30¢ to 3.3% + 30¢	$350 to $390
Chase, tap, dip or swipe [3]	2.6% + 10¢	$280

How the customer pays

Published rate

Fees on $10,000

QuickBooks, card in person [1]

2.5%

$250

QuickBooks, card paying an invoice [1]

2.99%

$299

QuickBooks, card keyed in [1]

3.5%

$350

QuickBooks, ACH bank payment [1]

$100

Square, card in person [2]

2.4% + 15¢ to 2.6% + 15¢

$270 to $290

Square, card online or invoice [2]

2.9% + 30¢ to 3.3% + 30¢

$350 to $390

Chase, tap, dip or swipe [3]

2.6% + 10¢

$280

Is it a fit for you?

It fits when

Service businesses that bill by invoice and already keep their books in QuickBooks Online.
Businesses with many small payments, where a fixed fee per payment would add up.
Business-to-business sellers who can steer customers to ACH at 1% instead of cards.
Owners who want payments matched to invoices automatically at month end.

Look elsewhere when

Businesses that key in most cards by hand, since keyed payments carry the highest rate at 3.5%.
Counter-service shops that need a full point-of-sale system with menus, modifiers or inventory.
Businesses doing high monthly volume that could qualify for interchange-plus pricing elsewhere.
Owners who rely on instant deposits every day, which add 1.75% on top.

What "Intuit credit card processing" actually is

When people search for Intuit credit card processing, they almost always mean QuickBooks Payments. It is the card and bank payment service built into QuickBooks, Intuit's accounting software. You turn it on inside QuickBooks, and customers can pay your invoices by card or bank transfer, or you can take cards in person with a reader.

QuickBooks lists one flat rate per payment type and says all listed rates are per transaction [1]. There is no tiered pricing to decode and no per-transaction cents on the published card. That simplicity is the main selling point. The tradeoff is the one every flat-rate service makes: you pay the same percentage whether the customer uses a basic debit card or a premium rewards card.

Flat rate, in one line

A flat rate bundles the card network's wholesale cost and the processor's markup into one percentage. It is easy to read, but you cannot see or negotiate the parts. Our guide to interchange-plus vs flat rate shows when the split version wins.

The full QuickBooks Payments rate card

Here is what QuickBooks publishes, as of 09/18/2026 [1]. The payment method, not the card brand, sets your rate.

QuickBooks Payments published rates [1]
Payment type	Rate
Card or digital wallet paying an invoice, recurring payment or quick request	2.99%
In-person card payment	2.5%
Card keyed in by hand	3.5%
ACH bank payment	1%
Instant deposit	1.75%
Payment dispute protection	Starting at 0.99%

Two lines on that card are optional add-ons, not processing costs. Instant deposit gets money to you faster for an extra 1.75% [1]. Dispute protection is a paid program that QuickBooks says covers up to $25,000 per year and $10,000 per dispute on card payments [1]. Both are worth pricing before you switch them on.

Where your QuickBooks bill actually comes from

Most owners who feel overcharged are not paying a hidden fee. They are paying the keyed rate more often than they think. If a customer reads you a card number over the phone, or you type a card into QuickBooks because the reader was not handy, that payment costs 3.5% instead of 2.5% [1]. On $10,000 a month, that is the difference between $250 and $350.

Send invoices with a pay link instead of keying cards. An invoice paid by card costs 2.99%, not 3.5% [1].
Offer ACH on every invoice. At 1% [1], a $4,000 invoice costs $40 by bank instead of about $120 by card.
Leave instant deposit off unless you need the cash that day. At 1.75% [1], it can cost more than the processing itself.
Check your monthly statement for the split by payment type. If keyed payments are more than a small share, fix the workflow first.

When your volume changes the math

QuickBooks says businesses processing over $2,500 a month could qualify for up to 25% off transaction costs [1]. That is worth asking about, because a 25% cut would bring the in-person rate from 2.5% to about 1.9%. Ask for the new rates in writing before you count on it.

Past a certain size, a flat rate of any kind leaves money on the table. Interchange-plus pricing passes the card network's actual cost through and adds a disclosed markup, so cheap debit swipes stay cheap. If your card sales are well into five figures a month, get one interchange-plus quote and compare it line by line against your QuickBooks statement. Our credit card processing fees guide explains each line you will see.

Keep QuickBooks Payments or switch?

Keep it if most of your money comes in through invoices, your tickets are small, and you can move repeat customers to ACH. The time saved on reconciliation is real, and the published rates are competitive for that profile.

Look elsewhere if you run a counter, take many keyed cards, or process enough volume to negotiate. Switching processors does not mean giving up QuickBooks for your books; ask any new processor how its deposits get into your ledger. BatchOut can price your last statement both ways, and our switching guide covers the steps without a gap in taking cards.

Frequently asked questions