QuickBooks Credit Card Processing Review 2021

QuickBooks is best known for its bookkeeping services, but it also offers a decent credit card processing solution called QuickBooks Payments. Its processing fees are a little pricey, but if you’re already plugged into the QuickBooks ecosystem, it’s worth taking a look at its services.
Best QuickBooks Integration
3.1 out of 5 stars
  • Check
    Integrates with other QuickBooks products
  • Check
    Easy to start using for QuickBooks members
  • X
    Lacking essential features
  • X
    Poorly suited to retail or other consistent processing needs

QuickBooks has put together a decent set of features for business owners who need to process credit cards. While there are some significant weaknesses in its offerings, one positive is that QuickBooks Payments is available free to any existing QuickBooks user.

That said, we’re going to recommend right out of the gate that if you aren’t using one of QuickBooks’ other services already, then QuickBooks Payments probably isn’t the best option for you.

QuickBooks Payments is best for infrequent and low-volume processing

If you have a QuickBooks account and need to take a credit card or ACH payment every now and again, it’s totally worth using Payments. An account is free so you can download its app or access its desktop terminal and start taking payments immediately—but only if you have a QuickBooks Online account.

Pricing and fees

Unfortunately, you can’t start using QuickBooks Payments unless you already have a QuickBooks Online account. These accounts start at $12.50 per month and make sense to have only if you plan on using QuickBooks to track expenses.

If you plan on using QuickBooks only to accept payments, the $12.50 per month minimum price tag and QuickBooks’ high credit card processing fees make the service a lot less viable.

Processing fees breakdown

Processing method
Processing fees
Sign up

ACH bank transfers

1% (max $10)

Card swiped

2.4% + 25¢

Card invoiced

2.9% + 25¢

Card keyed

3.4% + 25¢

Data effective 12/14/20. At publishing time, pricing and features are current but are subject to change. Offers may not be available in all areas.

QuickBooks Payments uses a flat-rate processing model for assessing fees. And while these fees are a bit high compared to some of the other brands we’ve reviewed, the difference is marginal if you aren’t processing a lot of credit card volume.

Ways you can (and can’t) get paid with QuickBooks Payments

This is where Payments begins to feel a bit more like a QuickBooks add-on and less like a fully-featured processing solution.

Essential processing features

Essential feature

In-store terminal

Icon Close  Dark

Mobile terminal

Icon Check  Dark

Digital terminal

Icon Check  Dark

Online API

Icon Close  Dark

Rewards program

Icon Close  Dark

Inventory management

Icon Check  Dark

Restaurant tools

Icon Close  Dark

Team management

Icon Close  Dark

Main ways to get paid

Payments offers a number of ways to get paid:

  • Online via invoices or ACH transfers
  • By phone using a mobile app that allows you to take keyed payments
  • On the go with its free mobile card reader
  • With recurring payments
  • On your website via an ecommerce platform

Each of these payment methods is great, but there’s one glaring omission: an in-store terminal.

Lack of terminals

There’s nothing on the site about purchasing a terminal through QuickBooks or about reprogramming existing equipment. This means if you already have an infrastructure of simple terminals or terminals with point-of-sale features, QuickBooks Payments won’t be able to integrate well into your existing infrastructure.

Here’s where things get a little confusing. While you may not be able to use QuickBooks as your processor, QuickBooks actually does integrate with a number of point-of-sale solutions—for bookkeeping.

Limited POS integration

If you have an account with, say, Square, your processing system can integrate with QuickBooks for bookkeeping. Actually, over 50 of the most popular POS systems integrate with QuickBooks bookkeeping.

Bookkeeping is, of course, different from payments. But if you have a QuickBooks account, you could integrate that account with a different payment processing solution that offers a more complete set of processing features.

Robust ecommerce integrations

While you can’t process credit cards through QuickBooks on a point-of-sale system, you can for ecommerce. If you open an online store through BigCommerce, Shopify, UltraCart, or WooCommerce, you can use QuickBooks as your payment processor.

QuickBooks Payments offers two different pricing structures for accepting online payments through ecommerce stores:

Online processing fees breakdown

Pay as you go
Pay monthly
Sign up

Monthly fee



Swiped rate



Keyed rate



Transaction fee



Data effective 12/14/20. At publishing time, pricing and features are current but are subject to change. Offers may not be available in all areas.

The pricing with the monthly fee is a little better and could be worthwhile if you plan on doing a lot of ecommerce processing.

Missing features

In addition to lacking terminals, QuickBooks Payments lacks a few fairly important processing features:

  • Analytics and processing reports
  • Online customizable processing API
  • Rewards programs

These features are a crucial part of many of our top payment processing providers. Analytics, for example, offer businesses a way of tracking their processing progress and making data-driven decisions on how to grow their businesses. These kinds of reports are a staple among most processors but are not offered as part of QuickBooks Payments.

That said, QuickBooks Payments integrates seamlessly with other QuickBooks services, which can be useful if you’re familiar with the platform already.

Is QuickBooks Payments right for you?

QuickBooks Payments is a great way to accept a credit card once in a while if you’re already paying for bookkeeping services. Unfortunately, its high prices and missing features make it a poor fit for most businesses.

The only exception is if you use QuickBooks Payments for an ecommerce store and pay the monthly fee: you may save some money on processing costs if you have decent sales volume. But even the better ecommerce rates with monthly payments still come with a relatively high 30¢ per-transaction fee.

The takeaway

QuickBooks Payments is not for everyone—certainly not if you don’t already have a QuickBooks account. If you’re looking into or already using QuickBooks for bookkeeping, QuickBooks Payments might be an easy solution for you.

That said, QuickBooks’ rates are pretty high and its suite of features is pretty sparse, so if you need to do a lot of processing, you’re better off looking elsewhere.

And where better to look than our picks for the best processing providers of 2021? We’ll help you find a processing provider that integrates perfectly with your small business.


At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Andrew Mosteller
Written by
Andrew Mosteller
For four years, Andrew has been writing copy to help business owners expand, manage, and advertise their unique brands. His upbringing in an entrepreneurial family nurtured a passion for small business at a young age. Andrew’s father, an equity fund manager, taught him the ins and outs of investment financing and owning and operating a successful business. Now he brings his expertise and experience to entrepreneurs as a regular contributor on Business.org.
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