QuickBooks Payments fee math

QuickBooks Payments Fee Calculator

Estimate QuickBooks Payments fees for invoice or digital wallet, ACH, in-person, and keyed-in transactions. Switch between “I will charge this amount” and “I want to net this amount,” then compare monthly fee drag under the same planning assumptions.

Rates can vary by plan, discount, or negotiated terms. Every public rate shown here is labeled as an editable planning assumption, not a guaranteed quote.

Calculator setup

Fee mode and payment type

Apply international surcharge assumption Use the editable public international surcharge assumption for eligible card or wallet methods. ACH always ignores this assumption.

Public assumptions

Editable public rate assumptions

Public assumption source: Intuit QuickBooks Payments rate page dated 2025-07-31. These values are editable because merchant plans, discounts, and negotiated terms can differ.

Leave the custom total rate override blank to use the public baseline assumption for the selected method plus any eligible international surcharge assumption.

Results

QuickBooks Payments fee estimate

Total fee

$0.00

Net proceeds

$0.00

Gross charge

$0.00

Effective fee rate

0.00%

  • Base rate assumption0.00%
  • International surcharge assumption0.00%
  • Total rate used0.00%
  • Monthly fees$0.00
  • Annualized fees$0.00

Public baseline assumptions dated 2025-07-31 are active.

Copyable summary

Quote or planning snippet

QuickBooks Payments estimate will appear here.

Method comparison

All supported QuickBooks payment types

Comparison uses the same charge amount across all methods.

Method Gross charge Fee Net proceeds Effective rate

FAQ

QuickBooks Payments fee FAQ

What are QuickBooks Payments fees?

Public QuickBooks Payments baselines commonly cited for planning are percentage-only fees that vary by method. This calculator starts from the 2025-07-31 public rates page assumptions and keeps them editable so you can match your own merchant terms.

Does QuickBooks charge extra for international cards?

The public baseline used here assumes a +1.00% international surcharge for eligible card or wallet flows. The toggle is explicit and editable, and ACH never receives that surcharge inside this calculator.

Is ACH cheaper than card payments in QuickBooks?

Under the default public assumptions in this tool, ACH is modeled at 1.00%, which is lower than the default invoice, in-person, and keyed-in card assumptions. That is why the comparison table usually shows lower fee drag for ACH.

Why should the rates be editable?

Because QuickBooks Payments pricing can change by plan, discount, negotiation, or merchant profile. Editable assumptions keep the calculator honest: it is a planning model, not legal, accounting, or pricing advice.

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