How much does QuickBooks Payments take?
An independent calculator, not QuickBooks Payments: nothing to sign in to and nothing to pay here. Enter a sale amount and read the fees.
On a $100.00 sale with the default settings, QuickBooks Payments takes $2.99 and you keep $97.01 — an effective rate of 2.99%. QuickBooks Payments takes 2.99% of invoices paid by card or digital wallet, 1% of invoices paid by ACH bank transfer with no maximum listed, 2.5% in person and 3.5% for typed-in cards, plus 1% for international cards. No monthly fee on the Standard QuickBooks Online chart; instant deposit costs 1.75%.
| Sale | Fees | You keep | Effective rate |
|---|---|---|---|
| $10.00 | $0.30 | $9.70 | 3.00% |
| $25.00 | $0.75 | $24.25 | 3.00% |
| $50.00 | $1.50 | $48.50 | 3.00% |
| $100.00 | $2.99 | $97.01 | 2.99% |
| $250.00 | $7.48 | $242.52 | 2.99% |
| $500.00 | $14.95 | $485.05 | 2.99% |
| $1,000.00 | $29.90 | $970.10 | 2.99% |
Open the QuickBooks Payments calculator → for your own price, shipping, category and options.
How the fee is built
QuickBooks Payments takes a percentage of each payment, set by how your customer pays: 2.99% for an invoice paid by card or digital wallet (Apple Pay, PayPal, Venmo), 1% for an invoice paid by ACH bank transfer, 2.5% in person with a card reader or Tap to Pay, 3.5% for a card number typed in, and 1% for PIN debit. International cards and international PayPal accounts add 1%. The Standard QuickBooks Online chart has no monthly fee and no fixed per-transaction fee on card payments. Instant deposit costs 1.75% of the amount deposited. Intuit rounds each fee to the nearest cent.
In QuickBooks Payments's own words
- Invoices, recurring payments, or quick requests paid using Visa, Mastercard, Discover, American Express, Apple Pay, PayPal, and Venmo 2.99%
- Invoices or quick requests paid using an electronic transfer that pulls money from a customer’s bank account into yours 1%
- Payments taken in-person with a card reader or Tap to Pay on iPhone. Accept Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, and Samsung Pay. 2.5%
- Payments processed by manually entering a customer’s card information. 3.5%
- For Instant Deposit: a 1.75% fee applies to each amount you select for deposit in up to 30 minutes in your designated bank account.
- No. The rates listed are exactly the rates you’ll pay for making a credit card transaction, regardless if it’s Visa, MasterCard, Discover, or American Express, or if your customer is using a corporate card.
- Rates are accurate as of 09/18/2026. All listed rates are per transaction.
- Final fees are calculated based on the then-current rate and rounded to the nearest cent.
Source: Intuit Payments Standard Pricing Schedule (U.S. only), Standard Customers — September 12, 2023 · Credit Card Processing Fees & Rates Explained | QuickBooks (payment-rates page).
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