QBO Power-up ยท Payments
QuickBooks Payments puts a Pay Now button on every invoice and posts each payout to your books with fees split out, so the deposit matches the bank feed. No monthly fee, no contract, and it counts toward your School of Bookkeeping perks.
The rates
No monthly fee, setup fee, or contract. Intuit charges a percentage of each payment, based on how the customer pays. Activate through our link and you get Intuit's ProAdvisor rates instead of the standard ones.
Invoices ยท Online card
Customers pay an invoice, a recurring charge, or a payment link online by card. PayPal and Venmo payments may stay at the standard rate.
Best forMost service businesses billing by invoice
ACH bank transfer
Customers pay straight from their bank account. Through our link, the fee stops at $15, no matter how large the payment.
Best forInvoices over a few thousand dollars
In person
Take payments with a QuickBooks card reader or Tap to Pay on iPhone.
Best forField service, events, and retail counters
Keyed-in card
You type in the card number yourself, for example when taking a payment over the phone.
Best forOccasional phone orders
Struck-through rates are Intuit's standard rates as of September 18, 2026. Discounted rates are Intuit's ProAdvisor pricing for QuickBooks Payments, which you get by activating through our link. Instant Deposit and dispute protection aren't listed in ProAdvisor pricing, so they're shown at standard rates. Intuit sets all rates and may change them. You can also read our side-by-side comparison with other processors.
New ยท Buy now, pay later with Affirm
QuickBooks Payments now offers Affirm on payment-enabled invoices. Customers can spread a bigger invoice over monthly payments, and you get the full invoice amount minus your card fee, as fast as a card or ACH payment.
Fee estimator
Choose a preset or set your own monthly volume. We'll compare Intuit's standard rates with the discounted rates you get by activating through our link, and show what moving card invoices to ACH could save.
Start with a preset
fees / month
You save with our link
The same volume if you activate without our link
fees / month
fees / month
Standard rates are from Intuit as of September 18, 2026: 2.99% online card, 1% ACH with no cap, 2.5% in person, and 3.5% keyed. Link rates are from Intuit's ProAdvisor pricing: 2.8% online card, 1% ACH up to $15 per payment, 2.3% in person, and 3.3% keyed. The ACH fee assumes every payment is your typical size. Estimates leave out PayPal and Venmo, Instant Deposit, dispute protection, and volume discounts. For illustration only, since Intuit sets and may change all rates.
In your books
The customer pays the full invoice and your bank receives that amount minus fees. QuickBooks records both sides for you. Here's what happens and what to check.
| Event | What QuickBooks does | What to check |
|---|---|---|
| Customer pays an invoice | Records the payment, marks the invoice paid, and holds the full amount in Payments to Deposit (Undeposited Funds). | Invoice shows Paid. A/R drops by the full amount. |
| Payout hits the bank | Creates the bank deposit automatically and groups every payment in that payout. | The deposit total equals the bank statement amount. |
| Processing fees | Posts fees to a QuickBooks Payments fee expense, either on the deposit or as a monthly charge, depending on your fee setting. | Sales stay at the full amount. Fees appear as an expense and never reduce income. |
| Bank feed | Suggests a match to the deposit it already created. | Click Match, not Add or Categorize. Adding it again double-counts income. |
| Refunds & disputes | Refunds go through a refund receipt or credit memo. A chargeback comes out of a later payout. | Re-open the customer's balance or book the chargeback, and record any dispute fee as a merchant fee. |
| Affirm pay over time | Records the full invoice payment, minus the card fee, like any card payment. Affirm handles the customer's installments. | Nothing extra to track. There's no loan or receivable on your books. |
| QuickBooks Desktop | Payments land in Undeposited Funds. Payouts become merchant service deposits with a fee line. | The deposit nets to the bank amount, with fees on their own negative line. |
Why we recommend it
When the processor lives inside QuickBooks Online, there's one fewer integration to break and one fewer clearing account to untangle at month-end.
$0
Activate it now even if you rarely take cards. You only pay when a customer pays you.
$15 max
ACH is 1%, and through our link it's capped at $15 per payment. Steer large invoices to bank transfer and keep more of every dollar.
Customers can pay by card, ACH, Apple Pay, PayPal, or Venmo, or pay over time with Affirm, right from the invoice email. Automatic reminders follow up for you.
Payouts post with fees split out, so the bank feed match is one click instead of a reconciliation puzzle.
Optional coverage of up to $25,000 a year on card payments, starting at 0.99%.
Use it in QuickBooks Online, or in QuickBooks Desktop through Receive Payments and merchant deposits.
Getting Started with QuickBooks Payments: setup, invoicing, deposits, and fees, explained step by step.
How it works with QBO Power-ups
QuickBooks Payments is a free Power-up with no monthly fee. Activate it through our referral link and it counts toward your perk tier alongside Relay, Justworks, and the rest.
1
Sign in to QuickBooks Online through our link and apply in a few minutes. If you need help, our team can connect it for you.
2
Choose your deposit account, turn on card and ACH for invoices, and send your next invoice with a Pay Now button.
3
Your Power-up count goes up and your School of Bookkeeping benefits unlock right away. Stack more Power-ups to move up a tier.
Tier1
30-day trial of QuickAnswers online chat support
Tier2
Extends your QuickAnswers trial to 90 days
Tier3
Adds a 60-day trial of our Core for Small Business course library
Tier4
Adds 1 hour of private tutoring and ongoing QuickAnswers access
Tier5
Adds full access to the on-demand course library
Tier6+
Upgrades to 3 hours of private tutoring (split across your team if you want) and QuickAnswers for your whole team
Each tier includes everything in the tiers before it. Ongoing perks stay active as long as your Power-ups do. Perks are per company.
Discounted transaction fees for life when you activate through our link: 2.99% 2.8% on invoiced cards, 2.5% 2.3% in person, 3.5% 3.3% keyed, and ACH capped at $15 per payment.
Questions
No. QuickBooks Payments is pay as you go, with no monthly fee, setup fee, or contract. You only pay a percentage when a customer pays you, so it makes sense to activate even if you rarely take cards.
Activating through our link gives you Intuit's ProAdvisor rates for QuickBooks Payments: 2.8% on invoiced cards instead of 2.99%, 2.3% in person instead of 2.5%, 3.3% keyed instead of 3.5%, and 1% ACH capped at $15 per payment. Intuit sets these rates and may change them.
Yes. QuickBooks Payments counts as a Power-up once it's activated through our referral link, even if you only use it occasionally.
Intuit takes its fees out before sending the payout, and one payout can include several payments. QuickBooks records the full payment amounts and the fees separately, so the deposit it creates matches the bank. In the bank feed, match to that deposit instead of adding a new one.
Payouts usually arrive within one to two business days, depending on your account and payment type. Instant Deposit is available for an extra 1.75% when you need cash the same day, including nights and weekends.
Nothing changes for you. Affirm pays you the invoice amount up front, minus the same fee as a credit card payment, and takes on all repayment risk. You don't track balances or chase installments.
Yes. In Desktop you take payments through Receive Payments, and payouts are recorded as deposits from Undeposited Funds with the fees on a separate line. Affirm buy now, pay later needs QuickBooks Online. Our free course covers both versions.
Yes. Activate through our link, then reach out and our team can help connect Payments, choose the deposit and fee accounts, and turn on Pay Now for your invoices.
Ready when you are
Activate through our link, turn on Pay Now, and start unlocking School of Bookkeeping perks today.
Get started today before this once in a lifetime opportunity expires.
