Let's Find The Right Credit Card Processing Service For You

Pros / Your online payment processing data syncs with your QuickBooks Online account.

Cons / It doesn't provide a dedicated account rep or 24/7 phone support.

 Verdict / QuickBooks Payments has two pricing plans and few fees, but it takes longer than average for your money to clear the account, and its customer service lacks dedicated account reps.

You don't have to be a QuickBooks user to accept credit cards online using QuickBooks Payments, but if you have a QuickBooks Online account, accepting credit cards online through QuickBooks Payments makes it easy to keep an eye on your accounts because your online payment processing data syncs seamlessly into the popular accounting program. It's unique in that it offers an Apple Watch app so you can quickly check on your sales, with hourly, daily and weekly review options.

QuickBooks Payments doesn't provide you with your own merchant account but sets you up with a subaccount under its master merchant account with Chase Paymentech. The benefit of this setup is that there are fewer fees than you would otherwise pay.

The company offers two pricing plans. For this review, we reviewed the Pro plan that's recommended for businesses that process more than $5,000 per month. The Basic plan has higher rates and no fees. The Pro plan has lower rates, which are very competitive with the other companies that have flat-rate pricing, and a $19.95 monthly fee, which is higher than average.

There's no monthly gateway fee, no PCI-related fees, no setup fees and no monthly minimum processing requirement. The chargeback fee is $25, which is on par with its competitors. QuickBooks Payments posts its pricing plans and service terms on its website, and its reps verified this information when our testers contacted the company, earning this service a top score for transparency and consistency.

It is fairly easy to apply for an account; there's an electronic application you can fill out quickly, and QuickBooks Payments can approve your application in one to two days. If you don't have QuickBooks, you can get a 30-day trial of QuickBooks Online that includes QuickBooks Payments, so you can try out the service. Trial service is also available through the company's eCommerce partners, Bigcommerce and Shopify.

There's no lengthy contract commitment, and because QuickBooks Payments provides service on a month-to-month basis, there are no early termination fees. However, if your account is inactive, the company may deem your account as abandoned and charge you a $25 fee. It takes up to three days to clear the account and deposit your funds into your business bank account, which is slightly longer than many of its competitors.

Although this service doesn't provide you with a dedicated account rep or 24/7 phone support, its live-chat operators are responsive, and there's a rich knowledgebase on its website that includes FAQs, tutorials, a small business guide and a blog.

When our testers contacted the company, the reps we spoke with were courteous and followed up with us by phone or email. However, some reps were more interested in selling us a QuickBooks accounting program than telling us about QuickBooks Payments.

QuickBooks Payments Compare Quotes


QuickBooks Payments is a good option that can help you process credit cards online, particularly if you use the QuickBooks Online accounting program, as the programs work together. It offers two pricing plans and charges few fees. It's easy to apply for an account, and a free trial is available. Its customer service isn't as robust as some of its competitors because it doesn't assign you a dedicated account rep or provide 24/7 phone support.

QuickBooks Payments Compare Quotes

Specifications and Benchmarks

Setup & Service Terms

Ease of Application Score
No Setup Fee
Quick Setup Time
Quickly Clears the Account

Interchange-Plus Pricing

Interchange-Plus Markup
Per Transaction


Monthly Fee
Monthly Minimum
Monthly Gateway Fee
No Gateway Setup Fee
PCI-Compliance Fee
PCI Non-Compliance Fee
Chargeback Fee

Flat-Rate Pricing

Processing Rate
Per Transaction

Tiered Pricing

Swiped Debit Card
Swiped Credit Card
Per Transaction

Quick Picks

Noteworthy Feature
Includes eInvoicing
Best For
Service - based businesses

Online Processing Costs

Transparency & Consistency Score

Customer Support

Customer Service Score
Dedicated Account Rep
Phone 24/7
Live Chat