Payments · Flat-Rate Processors
QuickBooks Payments / GoPayment Review
Card, ACH and wallet payments that auto-match to your QuickBooks invoices
Quick verdict
QuickBooks Payments / GoPayment is best for Contractors who already run their books in QuickBooks and want invoice payments that auto-match, with a cash buffer in case a large payment is held for review. Payments can be held for review; value tied to using QuickBooks; keyed (3.5%) and invoiced (2.99%) card rates above the in-person rate; ACH fee has no listed cap; Tap to Pay limited to iPhone.
Rates & pricing
Pay-as-you-go with no monthly fee; rates are flat percentages. In person 2.5%; invoiced and online cards and digital wallets (Apple Pay, PayPal, Venmo) 2.99%; keyed-in cards 3.5%; Affirm buy now, pay later 2.99%; ACH bank payments 1% ($1 minimum). Instant deposits 1.75%. Optional payment dispute protection from 0.99% (up to $10,000 per dispute and $25,000 a year). Businesses processing over $2,500/mo can call Intuit about a volume discount of up to 25%. Rates as of 09/18/2026.
Pricing model: flat rate · Monthly fee: $0
Affiliate disclosure: The link to QuickBooks Payments / GoPayment on this page goes to its own site and is not an affiliate link.
About QuickBooks Payments / GoPayment
QuickBooks Payments is Intuit's payment service for QuickBooks users. Customers can pay emailed invoices by card, ACH bank transfer, Apple Pay, PayPal, Venmo or Affirm's buy now, pay later, and Intuit says payments are auto-matched to invoices in QuickBooks Online, so your books update without double entry. GoPayment is the mobile app for taking cards in the field with a $49 QuickBooks card reader or Tap to Pay on iPhone, and QuickBooks Desktop Enterprise users get Desktop Payments inside Desktop.
Pricing is pay-as-you-go with no monthly fee: 2.5% in person, 2.99% for invoiced and online cards and digital wallets, 3.5% for keyed-in cards, 2.99% for Affirm, and 1% for ACH with a $1 minimum. Intuit's rate page (rates as of 09/18/2026) lists no cap on the ACH fee. Deposits arrive the next day as standard, or instantly for 1.75%. Optional dispute protection starts at 0.99% and covers up to $10,000 per dispute and $25,000 a year, and businesses processing more than $2,500 a month can call Intuit about a volume discount of up to 25%.
Intuit may hold payments for review. Its help center says new users' first few payments can take longer, that it may ask for the original invoice and up to six months of bank statements, and that it completes a review within 2 business days. On a large install payment, even a short hold can delay cash you were counting on.
The trade-off: the auto-matching only pays off if your books are in QuickBooks. GoPayment works without a QuickBooks subscription, but Intuit recommends one to keep payments and books in sync. Keyed cards at 3.5% and invoiced cards at 2.99% add up on office and phone payments, and because ACH is 1% with no listed cap, a $15,000 invoice paid by ACH still costs $150.
How it works
Add QuickBooks Payments to your QuickBooks account. Customers pay emailed invoices online by card, ACH, Apple Pay, PayPal, Venmo or Affirm, or your techs take cards in person with the GoPayment app and a $49 card reader or Tap to Pay on iPhone. Payments are auto-matched to invoices in QuickBooks Online, and you can schedule recurring payments. Deposits are next day as standard or instant for 1.75%, and eligible payments into QuickBooks Checking deposit without a fee. There is no monthly fee and Intuit's rate page shows no monthly plan; businesses processing over $2,500 a month can call about a discount.
Pros & cons
What works
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Auto-matches to QuickBooks invoices
Intuit says payments are auto-matched to their invoices in QuickBooks Online, which removes double entry for any contractor whose books are already there.
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Tap to Pay on iPhone, no hardware
Techs can take contactless cards on an iPhone with the QuickBooks or GoPayment app and no card reader to buy or carry.
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Many ways to pay an invoice
Customers can pay an emailed invoice by card, ACH, Apple Pay, PayPal, Venmo or Affirm's buy now, pay later, which helps on large jobs where a customer wants to spread the cost.
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ACH well below card rates
ACH costs 1% with a $1 minimum, so a $5,000 invoice costs $50 by ACH versus $149.50 by card at 2.99%.
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No monthly fee, fast deposits
There is no monthly fee, deposits are next day as standard, and instant deposits are available for 1.75% when cash is tight.
What doesn't
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Payments can be held for review
Intuit's help center says it may put payments on hold, may ask for the original invoice and bank statements, and completes reviews within 2 business days. A hold on a big install payment can still disrupt payroll or supplier payments.
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Tied to QuickBooks
The reconciliation advantage only exists if QuickBooks is your accounting system; GoPayment works without a subscription, but Intuit recommends one to keep books in sync.
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Keyed and invoiced card rates
Keyed-in cards cost 3.5% and invoiced or online cards 2.99%, higher than the 2.5% in-person rate, which adds up on phone and office payments.
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ACH fee has no listed cap
ACH is 1% with no cap on Intuit's rate page, so a $15,000 invoice costs $150. Stripe caps its ACH Direct Debit fee at $5, and Square caps invoice ACH at $10 on its paid plans.
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Tap to Pay is iPhone-only
Intuit says Android users need a QuickBooks card reader, so no-hardware acceptance is limited to iPhone.
Features & integrations
Key features
Integrations
Frequently asked
Does QuickBooks Payments work without QuickBooks accounting?
Partly. Intuit says GoPayment does not require a QuickBooks subscription but recommends one to keep payments and books in sync. The main reason to choose QuickBooks Payments is that payments auto-match to invoices in QuickBooks Online; without QuickBooks as your books, you lose that and should compare it on rates alone.
Why might QuickBooks Payments hold my money?
Intuit's help center says it may put payments on hold to protect everyone in the payment process, and that new users' first few payments can take longer. During a review it may ask for the original invoice and up to six months of bank statements, and it says it completes reviews within 2 business days. If you take large payments, keep a cash buffer so a hold does not stall payroll or supplier bills.
How much does QuickBooks Payments cost?
There is no monthly fee. As of 09/18/2026 Intuit lists 2.5% in person, 2.99% for invoiced and online cards and digital wallets, 3.5% for keyed-in cards, 2.99% for Affirm and 1% for ACH ($1 minimum). Instant deposits cost 1.75%, and optional dispute protection starts at 0.99%. Businesses processing over $2,500 a month can call about a volume discount of up to 25%.
Can field techs take cards with QuickBooks Payments?
Yes. The GoPayment app takes tap, dip or swipe payments with a $49 QuickBooks card reader, and Tap to Pay on iPhone takes contactless cards with no reader. Payments sync to QuickBooks. Intuit says Android users need the card reader.
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