QuickBooks Online integrationSurcharge credit card payments in QuickBooks Online — and pay less than Intuit Payments.
Intuit Payments charges 2.99% on invoice card payments and 3.5% on keyed cards. Integrater lets you accept QuickBooks invoice payments through your own merchant account at your negotiated rate, pass the cost on with a compliant surcharge, and post everything back to QuickBooks so it reconciles.
- Lower processing rates than standard Intuit Payments pricing
- Compliant surcharging on invoices, pay links, and keyed payments
- Surcharge booked as income, fees as expense — deposits match
14-day free trial. $9/mo + 10¢ per transaction after. No contracts.
QuickBooks Online
Invoice #1042
$4,800.00 invoice paid by credit card
- Intuit Payments at 2.99%
- Fee you absorb−$143.52
- Integrater + your processor at 2.4%
- Surcharge at cost, paid by customer+$115.20
- Integrater transaction fee
- $0.10
Illustrative. Surcharge is capped at your actual cost of acceptance and never above the 3% card brand ceiling. Debit and prepaid cards are never surcharged.
Integrater vs Intuit Payments
Lower processing fees than QuickBooks Payments
Intuit Payments is convenient, but you pay its standard rate on every invoice. With Integrater, QuickBooks invoices are paid through a merchant account you choose, so the rate is whatever you negotiate — and a compliant surcharge can cover it.
| Feature | Intuit Payments | + your processor |
|---|---|---|
| Card payments on invoices | 2.99% per transaction | Your processor's rate, often interchange-plus |
| Keyed-in card payments | 3.5% per transaction | Your processor's rate |
| ACH bank payments | 1% per transaction | Your processor's ACH pricing, often a flat fee |
| Where you can surcharge | Online invoices, rolling out gradually | Invoices, branded pay links, and keyed portal payments |
| Compliance rules | Percentage surcharge setting | Visa cap, debit exemption, disclosure, and state law enforced |
| Payment processor | Intuit Payments only | NMI, Authorize.net, Maverick, Stripe, Fluid Pay, and more |
| Negotiate your rates | Published standard pricing | Shop and negotiate your own merchant account |
| Accounting in QuickBooks | Native posting | Surcharge to income, fee to expense, deposit matches settlement |
| Software cost | Built into the rate | $9/mo + 10¢ per transaction |
Intuit Payments rates are the published standard rates for QuickBooks Online accounts as of November 2026. Legacy or negotiated Intuit accounts may differ; check your QuickBooks account settings.
Savings calculator
What Intuit Payments is costing you
Compare a year of QuickBooks Payments fees to running the same invoices through your own processor with compliant surcharging.
About 150 payments per month
- Intuit Payments fees @ 2.99%
- $2,242.50
- Your processor @ 2.4%
- $1,800.00
- Recovered by surcharging
- −$1,440.00
- Integrater ($9 + 10¢ per payment)
- $24.00
- Your net cost with Integrater
- $384.00
Estimated savings vs Intuit Payments
$22,302per year · $1,859 / month
Estimate only. Assumes the standard 2.99% Intuit Payments invoice rate and a surcharge set at your cost of acceptance, capped at 3%. Surcharging is prohibited in some states, and actual processor pricing varies.
How it works
How to surcharge credit cards in QuickBooks Online
No plugins to configure and no month-end journal entries. Here is the full path from a QuickBooks invoice to a reconciled deposit.
01Connect QuickBooks Online
Authorize QuickBooks in one click and link the merchant account you already have, or one with better rates than Intuit Payments.
02Send invoices as you do today
Invoices sync from QuickBooks and go out with a branded pay link. Keyed card payments run through the Integrater portal.
03Surcharge applied the compliant way
The customer sees the surcharge disclosure before paying. Debit and prepaid cards are detected and exempted automatically.
04Payment posts back to QuickBooks
The invoice is marked paid, the surcharge is booked as income, the processing fee as expense, and the deposit matches your settlement.
| Account | Debit | Credit |
|---|---|---|
Accounts Receivable Invoice #1042 paid | 4,800.00 | |
Surcharge Income Credit card surcharge | 115.20 | |
Merchant Fees Processor fee | 117.96 | |
Undeposited Funds Net of fees, matches batch | 4,797.24 | |
| Total | 4,915.20 | 4,915.20 |
Example: $4,800 invoice, 2.4% surcharge at cost, 2.4% processor fee on the $4,915.20 charged.
FAQ
QuickBooks surcharging questions
What QuickBooks Online users ask before moving off standard Intuit Payments rates.
Can you add a credit card surcharge in QuickBooks Online?
Yes. Intuit offers percentage-based surcharging on online invoices for some QuickBooks Payments accounts, but you still pay Intuit's standard rates. Integrater adds compliant surcharging to QuickBooks Online through your own merchant account, on invoices, branded pay links, and keyed card payments, then posts the surcharge and fees back to QuickBooks automatically.
How much does Intuit Payments charge for QuickBooks invoices?
As of November 2026, standard QuickBooks Online accounts pay 2.99% for card payments on invoices, 3.5% for keyed-in cards, and 1% for ACH bank transfers. Legacy and negotiated accounts can differ, so check your QuickBooks Payments settings for your exact rate.
How does Integrater lower processing fees compared to Intuit Payments?
Integrater does not resell processing. You connect a merchant account you choose — NMI, Authorize.net, Maverick Payments, Stripe, Fluid Pay, and others — at the rate you negotiate, often interchange-plus. Many businesses pay well under 2.99% this way, and a compliant surcharge can recover most or all of what remains.
Do I have to stop using QuickBooks Payments?
No. You can keep Intuit Payments turned on and route invoice payments through Integrater, or move card payments over entirely. Your invoices, customers, and chart of accounts stay in QuickBooks Online exactly as they are.
Is surcharging credit cards legal for QuickBooks users?
Surcharging is permitted in most US states when you follow card brand rules and state law: cap the surcharge at your cost of acceptance and the 3% brand ceiling, never surcharge debit or prepaid cards, disclose the fee before payment, and itemize it on the receipt. Integrater enforces these rules and disables surcharging where a jurisdiction prohibits it. Nothing here is legal advice.
How is the surcharge recorded in QuickBooks Online?
The original invoice is marked paid in full, the surcharge is recorded as income in its own account rather than netted against revenue, and the processing fee is booked as a merchant fee expense. The deposit in QuickBooks matches the settlement from your processor, so bank reconciliation closes with no manual journal entries.
What does Integrater cost?
$9 per month plus 10¢ per transaction, after a 14-day free trial. Your processing fees are paid directly to your processor. There are no contracts and no percentage of your revenue.
Keep the 2.9%. Keep your weekends.
Connect QuickBooks, keep your processor, and let Integrater handle both the compliance and the accounting. Instant signup, 14-day free trial, live the same day.
$9/mo + 10¢ per transaction after your trial. No contracts, cancel anytime.
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QuickBooks, QuickBooks Online, and Intuit are trademarks of Intuit Inc., used for identification only. Integrater is not affiliated with or endorsed by Intuit Inc.