Payments Cost Estimator
What will QuickBooks Payments actually cost you?
QuickBooks Payments has no monthly fee, no contract, and no fixed per-transaction fee — but your real cost swings with how your customers pay. Enter your numbers to see the blended rate you'll actually pay each month.
Your monthly numbers
Step 1
$
Online (card not present) · 30%
70% · In-person (card present)
Your estimated monthly cost
Step 2Total fees / month
$0
— / year
0.00%
Effective rate
Average ticket
$0
Cost per transaction
$0
Keyed sales can't exceed your online share — keyed cards are card-not-present by definition, so the figure above is capped at your online percentage.
Estimates use QuickBooks Payments' standard pay-as-you-go rates — 2.50% swiped/tapped, 2.99% invoiced online, and 3.50% keyed — with no monthly or fixed per-transaction fee. Rates current as of 2026 and subject to change; volume above $2,500/mo may qualify for discounts. ACH (1%) is not included. This tool is for educational estimation only and is not affiliated with Intuit or QuickBooks.
Built for merchants weighing their options. Want a side-by-side against dual pricing or interchange-plus?
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