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PAYMENTS & BANKING

Overview

Get paid and pay bills

Explore all featuresSend invoicesAccept paymentsAccept in-person paymentsGet an
invoice advancePay bills

Banking

Lending

Lending overviewGet a term loanExplore 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.

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 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

Low transaction rates
Get 1% per transaction for every ACH payment and 2.9% per transaction for each
online invoice.See more
Accept payments
Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit,
debit, or ACH payments. 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 bank account
Get a business bank account that’s free to open—with no monthly fees and no
minimum balances.**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

$30
$15/mo
Save 50% for 3 months*
Buy now

Manage money

Low transaction rates
Get 1% per transaction for every ACH payment and 2.9% per transaction for each
online invoice.See more
Accept payments
Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit,
debit, or ACH payments. 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 bank account
Open a QuickBooks Checking account for free—there’s no monthly fees or minimum
balance.**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
Cash flow planner
See all your business balances on one dashboard and forecast money-in and
money-out up to 90 days to plan ahead.**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
Get an invoice advance
Finance qualified invoices so you have cash when you need it most.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
1
See all plans
Important offers, pricing details and disclaimers


COMPETITIVE PAYMENT RATES

See rates for payments taken through invoicing and quick payment requests.




See all rates

Cards




Invoices and quick requests paid using Visa, Mastercard, Discover, and American
Express




Digital wallets




Invoices and quick requests paid using Apple Pay, PayPal, and Venmo**




ACH payments




Invoices and quick requests paid using an electronic transfer that pulls money
from a customer’s bank account into yours




2.99%




2.99%




1%




Cards




Invoices and quick requests paid using Visa, Mastercard, Discover, and American
Express




Digital wallets




Invoices and quick requests paid using Apple Pay, PayPal, and Venmo**




ACH payments




Invoices and quick requests paid using an electronic transfer that pulls money
from a customer’s bank account into yours




2.99%




2.99%




1%





START SIMPLE WITH QUICKBOOKS MONEY

Simplify the way you do business—take payments, manage money with a business
bank account, and get cash flow insights in one place. No subscription or
monthly fees.

Learn 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


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.


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.




PayPal and Venmo: Not currently available on invoicing through QuickBooks Online
Advanced subscription.




**Features:




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 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.




QuickBooks Checking:




Annual percentage yield: The annual percentage yield ("APY") is accurate as of
July 31, 2023 and may change at our discretion at any time. An interest rate of
1.75% 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. At the close of each statement
cycle, interest is calculated based on the average daily balance in your
Envelopes. The average daily available balance is calculated by adding the
available balance in your Envelopes and dividing that figure by the number of
days in the statement cycle. The interest earned will be distributed to each
Envelope in proportion to the average daily balance of each Envelope. 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.




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.




Cash flow planner: Cash flow planning is provided as a courtesy for
informational purposes only. Actual results may vary.

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. Get paid 4x faster: Four times faster based on U.S. customers using
QuickBooks Online invoice tracking and payment features, compared to customers
not using these features, from Aug 2021 to Jul 2022.




2. Batch invoicing and Create Invoices 37% faster: Based off of tests comparing
QuickBooks Online regular invoice workflow with QuickBooks Online Advanced
multiple invoice workflow. QuickBooks Online Advanced supports the upload of
1,000 transaction lines for invoices at one time. Number of invoices imported
depends on the number of transaction lines in the .CSV file. Customers received
remuneration for participating in the tests.

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