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Earn 5.00% APY** with savings envelopes—that’s over 70x the US average.1
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PAYMENTS & BANKING

Overview

Get paid and pay bills

Explore all featuresSend invoicesAccept paymentsAccept in-person paymentsPay
bills

Banking

Lending

Lending overviewGet a term loanGet a line of creditExplore options from partners

Cash flow
See plans





ACCEPT PAYMENTS ANYTIME, ANYWHERE

No matter how your customers choose to settle up, track payments in one place to
make managing your business finances easier than ever.

Have QuickBooks Desktop?

See plans
See rates
See how it works(1:48)




GIVE CUSTOMERS MANY WAYS TO PAY

RIGHT THROUGH THE INVOICE

Send your customers invoices they can pay online right away.**

Explore invoicing

ON SITE OR IN STORE

Get paid in person with the GoPaymentNot included with QuickBooks Money app &
card reader.**

Explore in-person payments

DIGITAL PAYMENTS

Take cards, ACH payments, Apple Pay®, PayPal, or Venmo.**

See rates
NEW


GET CHARGEBACK PROTECTION

We’ll take care of chargebacks so you don’t have to. Get automatic payments
dispute protection on credit and debit card disputes. We’ll even cover up to
$25,000 per year—$10,000 per dispute on card payments.**




Not included with QuickBooks Money

Find out more



MAKE PAYMENTS MORE PREDICTABLE

Track and schedule invoices that your customers can pay online, and see deposits
fast. 


Explore invoicing

REAL-TIME TRACKING

Don’t wonder where your money is. You’ll know when customers view and pay your
invoices.

SCHEDULE AHEAD OF TIME TIPPING AND RECURRING INVOICING NOT INCLUDED WITH
QUICKBOOKS MONEY.

Automate recurring invoices and give your customers the option to set up
autopay.

PAYMENTS GO TO THE BANK

With a QuickBooks Checking account, eligible payments are deposited sooner,
fee-free.**




BOOKKEEPING WITHOUT THE BUSYWORK

Online payments are automatically recorded in QuickBooks Online. Avoid tedious
upkeep, knowing your bottom line is accurate.**





PICK THE BEST PLAN FOR YOUR BUSINESS

Pay and get paid your way. If you need to manage your accounting too, we’ve got
you covered.




Already a QuickBooks customer? Access money features


NEW


QUICKBOOKS MONEY


$0/mo
Discount does not apply
Get started

Manage money

Business bank account
Get a business bank account that’s free to open—with no monthly fees and no
minimum balances.**See more
Earn 5.00% APY
Every dollar put away in savings envelopes earns you interest at over 70x the
U.S. average.See more
NEW
Accept payments
Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit,
debit, or ACH payments. See more
Payment transaction rates
Get competitive payment processing rates with no setup costs or hidden fees—just
pay as you go.See more
Invoices
Send instantly payable invoices, schedule recurring invoices, track their
status, send payment reminders, and match payments to invoices—automatically.See
more
Same-day deposit
Eligible payments land in your bank account the same day—nights, weekends, and
holidays—so you can access cash fast at no extra cost.**See more
Business Network
Sync with customers, see their contact info, send invoices, and accept and track
payments with ease.See more
Cash flow history
See your business money come in and out over time, so you can make smart
business decisions and pivot as you grow.See more


QUICKBOOKS SIMPLE START


$35
$1750/mo
Save 50% for 3 months*
Buy now

Manage money

Business bank account
Open a QuickBooks Checking account for free—there’s no monthly fees or minimum
balance.**See more
Earn 5.00% APY
Every dollar put away in savings envelopes earns you interest at over 70x the
U.S. average.See more
NEW
Accept payments
Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit,
debit, or ACH payments. See more
Payment transaction rates
Get competitive payment processing rates with no setup costs or hidden fees—just
pay as you go.See more
Invoices
Send instantly payable invoices, schedule recurring invoices, track their
status, send payment reminders, and match payments to invoices—automatically.See
more
Instant deposit
Get instant access to eligible payments no matter what time of day you get
paid.**See more
Business Network
Sync with customers, see their contact info, send invoices, and accept and track
payments with ease.See more
Cash flow history
See your business money come in and out over time, so you can make smart
business decisions and pivot as you grow.See more
In-person payments
Let customers insert, tap, or use digital wallets to make in-person payments
seamless.**See more
Recurring invoices
Automate recurring invoices and give your customers the option to set up
automatic payments.See more
Estimates
Customize estimates, accept mobile signatures, see estimate status, and convert
estimates into invoices.See more
Line of Credit
Apply for a flexible line of credit to get cash when you need it.See more
Business loan
Explore funding options with competitive rates—no hidden fees and no
surprises.See more
Manage accounting

Free guided setup
A QuickBooks expert can help you set up your chart of accounts, connect your
banks, and show you best practices.See more
Income and expenses
Securely import transactions and organize your finances automatically.See more
Tax deductions
Share your books with your accountant or export important documents.**See more
General reports
Run and export reports including profit & loss, expenses, and balance
sheets.*See more
Receipt capture
Snap photos of your receipts and categorize them on the go.**See more
Mileage tracking
Automatically track miles, categorize trips, and get sharable reports.** See
more
Track sales
Accept credit cards anywhere, connect to e-commerce tools, and calculate taxes
automatically.**See more
Contractors
Assign vendor payments to 1099 categories, see payment history, prepare and file
1099s from QuickBooks.** See more
Connect 1 sales channel
Connect 1 online sales channel and automatically sync with QuickBooks.See more
Expert Assisted
Connect with Live experts when you need it. They can provide setup help and
bookkeeping guidance in QuickBooks, so you can stay organized and run your
business with confidence. Free for 30 days. No auto-renew.See more
Try expert help FREE for 30 days*
1
See all plans
Important offers, pricing details and disclaimers


KEEP MORE OF WHAT YOU MAKE

QuickBooks makes getting paid easier. Get competitive payment rates without
monthly fees or minimums—just pay as you go.

If you process more than $2,500 per month, call us to see if you’re eligible for
lower rates.




Call 1-800-264-1859




See rates for QuickBooks desktop

See all rates
Calculate my savings


GROW YOUR MONEY WITH 5.00% APY**

Access your payments faster with a QuickBooks business bank account, earn 5.00%
APY with savings envelopes, and manage your cash flow with ease.

Find out more

"We use [QuickBooks] for recurring invoicing, and to allow customers to pay a
deposit and make installment payments so they can pay toward their invoices over
time."
Elizabeth Dye
QuickBooks customer paid for their time
See story


BUILD YOUR KNOWLEDGE




Article


HOW TO CHOOSE THE BEST PAYMENT METHOD

What’s the best payment method for small businesses? That all depends on a
variety of factors.

Read more
Article


EVERYTHING YOU NEED TO KNOW ABOUT ELECTRONIC PAYMENTS

Electronic payments are when a customer pays electronically, rather than
exchanging physical cash or a paper check.

Read more


IN YOUR CORNER WHEN YOU NEED US


LET’S TALK DISCOUNTS

Process over $2,500 per month? You could qualify for up to 25% off transaction
costs. 2

Call 1-800-264-1859 Mon-Fri, 6 AM to 4 PM PT


VISIT OUR SUPPORT HUB

Find help articles, video tutorials, and connect with other businesses in our
online community.

See resources
Need help signing in?


FREQUENTLY ASKED QUESTIONS

How do I start accepting payments?


Sign up for QuickBooks and get approved as a merchant to streamline accepting
payments to your bank accounts. 




To start accepting payments using QuickBooks Money, install the mobile app, or
sign up online. Create an account and complete an application for banking and
payments. If approved, you can start accepting payments through QuickBooks
Money. 




For Quickbooks Online, install the mobile app or sign up for a QuickBooks Online
plan from your browser. Create an account, and complete a payments application.
If approved, you can start accepting payments through QuickBooks Online. You’ll
also have the option to apply for a business banking account.

What’s the best way to receive money online?


There are many ways to take payments through QuickBooks. With QuickBooks, you
can:

 * Send an instantly payable invoice that your customers pay online using a
   credit card, debit card, ACH bank payment, Apple Pay, PayPal, or Venmo. 
 * Use our QuickBooks GoPayment mobile app and card reader to accept credit or
   debit cards in person by tap, dip, or swipe, or via digital wallet on your
   customer’s device. 
 * Take bank transfers, including eChecks. 
 * Key in customer credit or debit card numbers over the phone.




If you’re using QuickBooks Money, you can use QuickBooks GoPayment mobile app
and card reader as a standalone solution for in-person payments, but keyed-in
transactions and POS transactions won’t sync with QuickBooks Money.

How can I manage my cash flow and get paid faster?

 * Instant deposit for 1.75% more
 * Checking with no-cost instant deposit
 * Payments Dispute Protection

What’s the difference between QuickBooks Online and QuickBooks Money


QuickBooks Money helps you manage your payments and banking, whereas QuickBooks
Online also includes accounting tools like automatic transaction mapping,
mileage tracking, bill pay, receipt capture, reporting, access to experts, and
more. To see all of your options, check out the plans page.

I already have a QuickBooks Online account. Where can I go for help?


We’re here to help. Check out the options below to find the support you need:




 * Explore help articles
 * Talk to someone at 800-446-8848 
 * Chat with us online
 * For help with QuickBooks Money, reach out through the QuickBooks Assistant
   from the app.

Can I accept payments with QuickBooks Desktop?


Yes! Find QuickBooks Desktop rates and more information, here.


TRY DIGITAL PAYMENTS, NO MONTHLY FEES

With QuickBooks Money, you can try money management tools without the
commitment. 

Get started
Important offers, pricing details and disclaimers

QuickBooks and Intuit are a technology company, not a bank. Banking services
provided by our partner, Green Dot Bank, member FDIC.




**Product Information:




QuickBooks Payments: QuickBooks Payments account subject to eligibility
criteria, credit, and application approval. Subscription to QuickBooks Online
required. Money movement services are provided by Intuit Payments Inc., licensed
as a Money Transmitter by the New York State Department of Financial Services.
For more information about Intuit Payments' money transmission licenses, please
visit https://www.intuit.com/legal/licenses/payment-licenses/.




QuickBooks Money: QuickBooks Money is a standalone Intuit offering that includes
QuickBooks Payments and QuickBooks Checking. Intuit accounts are subject to
eligibility criteria, credit, and application approval. Banking services
provided by and the QuickBooks Visa® Debit Card is issued by Green Dot Bank,
Member FDIC, pursuant to license from Visa U.S.A., Inc. Visa is a registered
trademark of Visa International Service Association. QuickBooks Checking Deposit
Account Agreement applies. Banking services and debit card opening are subject
to identity verification and approval by Green Dot Bank. Money movement services
are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New
York State Department of Financial Services.




QuickBooks Checking account: Banking services provided by and the QuickBooks
Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to license
from Visa U.S.A., Inc. Visa is a registered trademark of Visa International
Service Association. Green Dot Bank operates under the following registered
trade names: GoBank, GO2bank and Bonneville Bank. Registered trade names are
used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits
under any of these trade names are deposits with Green Dot Bank and are
aggregated for deposit insurance coverage up to the allowable limits. Green Dot
is a registered trademark of Green Dot Corporation. ©2022 Green Dot Corporation.
All rights reserved. QuickBooks products and services, including Instant
Deposit, QuickBooks Payments, Cash flow planning / forecasting are not provided
by Green Dot Bank.




QuickBooks Card Reader: Data access subject to cellular/internet provider
network availability and occasional downtime due to system and server
maintenance. Product registration and QuickBooks Payments account required.
Terms, conditions, and features subject to change.




Apple Pay: Apple Pay is a registered trademark of Apple Inc.




Google Pay: Google Pay is a trademark of Google LLC.










**Features:

Annual percentage yield: The annual percentage yield ("APY") is accurate as of
December 31, 2023, and may change at our discretion at any time. The listed APY
will be paid on the average daily available balances distributed across your
created envelopes within your primary QuickBooks Checking account. Balances held
outside an envelope will not earn interest. See Deposit Account Agreement for
terms and conditions.

Envelopes: You can create up to 9 Envelopes within your primary QuickBooks
Checking account. Money in Envelopes must be moved to the available balance in
your primary QuickBooks Checking account before it can be used. Envelopes within
your primary QuickBooks Checking account will automatically earn interest once
created. At the close of each statement cycle, the interest earned on funds in
your Envelopes will be credited to each Envelope in proportion to the average
daily balance of each Envelope. See Deposit Account Agreement for terms and
conditions.




Automatic matching: QuickBooks Online will only match bank deposits with
transactions processed through QuickBooks Payments. Not all transactions are
eligible and accuracy of matches is not guaranteed.




Pay-enabled invoices: Requires a separate QuickBooks Payments account which is
subject to eligibility criteria, credit and application approval. E-invoicing
QuickBooks Payments is an optional fee-based service. Additional fees may apply.
Additional terms and conditions apply.




Instant deposit: Instant Deposit: Instant deposit is an additional service
offered by QuickBooks Payments subject to eligibility criteria, including
delayed eligibility for new users and availability for only some transactions
and financial institutions. The service carries a 1.75% fee in addition to
standard rates for ACH, swiped, invoiced, and keyed card transactions. This
1.75% fee does not apply to payments deposited into a QuickBooks Checking
account. Deposits are sent to the financial institution or debit card that you
have selected to receive instant deposits in up to 30 minutes. Transactions
between 2:15 PM PT and 3:15 PM PT are excluded and processed the next day.
Deposit times may vary due to third party delays.




Same-day deposit: Same Day Deposit allows you to have near-real time deposits
sent to you on a predetermined daily schedule (up to 3x a day, Monday through
Sunday, including holidays). Same Day Deposit is an additional service offered
by QuickBooks Payments subject to eligibility criteria, for no extra fee for
QuickBooks Money users. QuickBooks Money payment request fees apply for ACH and
card transactions. Once batched, eligible deposits will be sent to your
QuickBooks Money account, and will be available in up to 30 minutes.
Transactions between 2:15-3:00 pm PST are excluded and transactions after 9:00
pm PST will be available for deposit the following morning. Deposit times may
vary for third party delays.




Next-day deposit: Next-day deposit feature subject to eligibility criteria.
Payments processed before 3:00 PM PT typically arrive at your bank the next
business day (excluding weekends and holidays). Deposit times may vary for other
payment methods, third party delays or risk reviews.




Automatic sales tax: Underlying sales tax rates are estimated based on the
location information associated with each individual transaction. Additional
factors that may impact sales tax rates include product type, date, and customer
type. Tax information needs to be validated prior to submitting to the IRS.




Business network: The AP Automation feature is not available for Simple Start
customers. Use of the QuickBooks Business Network for spam, marketing, or other
activities which violate applicable Intuit Terms of Service is strictly
prohibited. You may only view and connect with other QuickBooks Business Network
members located in your geography. All Business Information is provided by
QuickBooks Online customers and is not independently verified or endorsed by
Intuit. Intuit reserves the right to limit your use of the QuickBooks Business
Network, including your ability to connect with other members and be listed in
the network per our Intuit Terms of Service.




Payment Dispute Protection: Payments Dispute Protection ("PDP") is an additional
service that covers you for certain payment disputes (i.e. "chargebacks") that
your customer initiates through its card issuer associated with a credit or
debit card transaction on the American Express, Discover, Mastercard or Visa
networks and are processed by QuickBooks Payments while you are enrolled in PDP.
You must be enrolled in PDP when both the customer's payment is processed and
payment dispute is initiated to receive coverage. Payment disputes covered by
PDP are subject to a per-payment dispute coverage limit of $10,000 with a total
annual coverage limit of $25,000 for all payment disputes received on a rolling
365-day period. Payment disputes related to transactions processed by QuickBooks
Payments prior to 3 PM PT on your enrollment day will not be covered if you
enrolled in PDP after 3 PM PT. The PDP service fee ranges from .99% to 1.99%,
based on eligibility criteria. Terms, conditions, and service fee subject to
change without notice.










National average interest rate: The average interest rate is based on the
Federal Deposit Insurance Corporation's national rate published the week of
August 15th, 2022. Learn more.




No minimum balances or monthly fees: There are no minimum balance requirements
to open or maintain this account or obtain the listed APY. Other fees and limits
apply. See Deposit Account Agreement for details.




Fee-free ATM withdrawals: Fee-free ATM access applies to in-network AllPoint
ATMs only (up to 4 withdrawals per statement cycle). For out-of-network ATMs and
bank tellers, a $3 fee will apply, plus any additional fees charged by the ATM
owner or bank. See app for fee-free ATM locations.




Bill Pay: QuickBooks Bill Pay is an additional product capability to QuickBooks
Payments that may require a separate subscription. Money movement services are
provided by Intuit Payments Inc., licensed as a Money Transmitter by the New
York State Department of Financial Services.




Mobile Remote Deposit Capture: Limited availability to existing customers on iOS
and Android. Features may be more broadly available soon, but represents no
obligation and should not be relied on in making a purchasing decision. Mobile
deposits may take up to 5 business days. Limits on the dollar amount(s) and/or
number of checks that may be deposited may apply. QuickBooks Checking account's
Deposit Account Agreement applies.




#Claims




1. Over 70x U.S. average APY: Average interest rate: The average interest rate
is based on the Federal Deposit Insurance Corporation's national rate published
the week of October 16, 2023. Learn more.




2. Move/switch to QuickBooks Payments and you could save up to 25%: based on
U.S. customers using QuickBooks Online from May 2022 to May 2023. Savings based
on estimated monthly cost on discounted payments pricing plans versus standard
pricing. Savings vary monthly based on actual processing volume and transaction
type. QuickBooks Online customers who primarily take payments with ACH bank
payments saw the highest savings.


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