CC ERP Solutions

Guide to Optimizing Your QuickBooks Merchant Services with Payment Integrations



What are QuickBooks Merchant Services?

If you use QuickBooks to handle your business accounting and bookkeeping, you’ll already know that it’s a super convenient and easy-to-use software solution that can handle a wide array of functions. 

QuickBooks Merchant Services is the umbrella term for the payment processing solutions offered by QuickBooks - otherwise known as QuickBooks Payments (or Intuit Payments). 

With a QuickBooks Merchant Account, you get to access a range of merchant services to meet your payment needs. This includes the following:

  • Processing customer payments
  • Setting up recurring payments for subscriptions and ongoing services
  • Solutions for dealing with failed or declined payments
  • Managing and processing chargebacks
  • Enabling/redeeming gift card transactions


Why merchants use QuickBooks Payments

The main reason why merchants adopt QuickBooks Payments (from their QuickBooks Merchant Services portal) is that they’re already using the accounting software and it’s convenient to expand to this solution. It can also be tempting to use QuickBooks for processing your payments because it’s a familiar platform that’s easy to use, a comfort for customers, and means having everything in one place. 

However, here are some of the caveats and drawbacks when it comes to sticking to a platform you know and not exploring a payment processing solution from other providers:

  • Updates and downtime
  • Slow servers and processing
  • High processing fees

Get more information about the reasons merchants use QuickBooks’ payment processing solutions and the drawbacks in our article: The Pros and Cons of Using QuickBooks Payments.


How do QuickBooks payment fees work?

As mentioned above, using QuickBooks for all your payment activities could mean you end up overpaying on your payment processing fees. And these fees can add up as you grow your business, significantly impacting your budget.

This is particularly true for merchants who accept credit card payments, as you’ll need to pay the following fees:

  • Interchange fees - these go to the bank or credit union that issued the credit card
  • Assessment fees - these go to the credit card’s payment network
  • Processing fees - these go to the payment processor (in this case, QuickBooks)

The interchange fee and the assessment fee are not negotiable (but may be adjusted depending on how the payment is processed), but the third fee is where there’s potential to save money, as you can choose which payment service provider to use to process your credit card transactions.

How much does QuickBooks charge for credit card payment processing? 

QuickBooks charges different fees depending on how a credit card payment is processed, so you’ll pay:

  • 2.4% for swiped credit cards
  • 2.9% for invoiced credit cards
  • 3.4% for keyed credit cards

When you add these fees along with a per transaction fee, you might be paying up to 4% on every credit card transaction – this is a significant amount that can have a big impact on your profits.

How can I avoid excessive QuickBooks payment fees?

For SMEs, who want to keep costs low and move away from QuickBooks’ tiered pricing structure, which includes hefty mark-ups, you will need to first get to grips with the pricing structure and work out if you’re overpaying by calculating your card processing fees.

Explore our blog on how to avoid unwanted QuickBooks credit card payment fees.

Are you overpaying on your payment processing fees?

There can be significant differences between the payment processing fees offered by various payment gateway providers. Even if they seem minimal, across a high volume of transactions, your business will feel the effect. If you choose wisely, you can save yourself a lot of money on credit card transactions.

So, how do you know if you’re overpaying on your QuickBooks payment fees? It’s worth looking at what you pay and comparing it to other payment gateway solutions on the market. 

Find out if you’re overpaying on your QuickBooks Payments fees.

Calculating your card processing fees

To work out how and where you can save money on your credit card processing fees, follow these three steps:

  1. Calculate what you’re paying - If you’ve got a combination fee (for example, a percentage of the transaction + a per-transaction fee), it might not be so straightforward to calculate what you’re paying, but your monthly statement from your payment processor should have this information.
  2. Get an idea of monthly negotiable costs - You can do this by taking the number of credit card transactions you carry out in a month, and multiplying it by your rates. Remember, interchange and assessment fees are non-negotiable, so focus on the processing fee.
  3. Browse and compare alternative payment service providers for credit card payment processing - If the amount you’re paying is significant (which it likely is), then it’s time to see what other options are available to you. 


Why switch to integrated credit card processing?

If accepting credit card payments is par for the course in your business, you’ll know the importance of a seamless and cost-effective card payment process - for you and your customers. For those not yet using Quickbook’s payment solution or an in-app payment solution yet, utilizing a credit card processing integration can offer the following benefits to merchants:

  • Reduced labor costs
  • Time-saving
  • Better security
  • Minimize risk and reduce errors
  • Get a clearer picture of your finances
  • Enjoy enhanced reporting
  • Operational efficiency

To learn more about the integration and the advantages outlined above, read our blog on the 7 benefits of in-app QuickBooks Credit Card Processing Integrations.


How can I optimize my QuickBooks credit card fees?

The best way to optimize your QuickBooks payment processing fees is to compare different vendors, their fees and features. However, if you’re thinking about changing to a merchant service provider that offers lower processing fees, it’s also important to find out whether they can offer an integration directly with Quickbooks and how it works.

Choosing a service provider that integrates its payment gateway solution with your QuickBooks account can not only save you money on costly processing fees, but it can also increase efficiency and improve your overall payment experience. It means your customers can still pay you via QuickBooks, but don’t incur unnecessarily expensive QuickBooks credit card fees.

How CardChamp saves you money on QuickBooks Payments fees

CardChamp’s QuickBooks payment gateway integration offers the convenience of accepting credit card payments via QuickBooks but with the following benefits:

On average, CardChamp clients save about 25% off their QuickBooks fees when they enroll with our payment processing solution.

  • Save up to 25% compared to most credit card processors
  • Month-to-month agreement with no penalty to cancel
  • Lower interchange costs with level 2/3 processing
  • Dependable and responsive US-based support by phone and email
  • Easy set-up - get started in 15 minutes
  • Transparent pricing with no hidden fees
  • Accept payments in-store, online, or on your phone
  • Next day funding

QuickBooks Payments vs CardChamp Direct: How do they compare?

QuickBooks Payments from Intuit is the go-to option for accepting credit, debit, and ACH payments within Quickbooks software. But CardChamp offers businesses a direct integration into Quickbooks Desktop and Enterprise that can save your business substantial credit card processing fees. Businesses can work within their natural QuickBooks environment while accepting payments with CardChamp Direct.

We apply an optimization structure yielding lower Interchange rates when accepting business, corporate or purchasing cards in a card-not-present environment. 

For businesses processing more than $2,000 per month, CardChamp Direct will have lower credit card processing costs than QuickBooks Merchant Services. Businesses processing $500,000 or more annually can apply for custom pricing.

Here is a quick-glance breakdown of CardChamp Direct’s payment processing fees:

  • Monthly fee: $15.00
  • Credit card - swiped: 1.20% + $0.20
  • Credit card - keyed: 2.50% + $0.20
  • Credit card - online invoice: 2.50% + $0.20
  • ACH Monthly Fee: $10.00 (Optional)
  • ACH Bank Transfer: $0.25 (Optional)

If your business is interested in eliminating the credit card processing fees, our Surcharge program can do so by automatically passing along the fee to the customer. Please contact us here to learn more about eliminating your credit card processing fees with Surcharge.

View our Quickbooks Payments vs CardChamp Direct processing fees comparison here: CardChamp vs. QuickBooks Payments (Intuit).

Whichever plan you choose, you’ll still be able to benefit from the convenience and ease of using QuickBooks Payments. Our software integrates with QuickBooks Merchant Services, allowing you to streamline your entire payment process and finance management for less.


Optimize your QuickBooks Merchant Services with other third-party integrations

Integrating QuickBooks Merchant Services with other innovative software can enhance your capabilities, prevent misalignment and bring your teams and processes closer, and much more. If you want to continue managing all of your accounting and finances in one place, you should explore useful QuickBooks integrations that can increase business efficiency.

What are the best QuickBooks integrations for merchants?

QuickBooks is an easy-to-use solution for managing your company’s finances, as it’s able to handle multiple aspects of your business accounting. However, a great way to improve efficiency and make your jobs easier is through software integrations. 

Here are some top QuickBook integrations to consider:

  1. Expensify - streamline your expense management
  2. Tax Planner Pro - versatile tax solution to enable projections and plan your payments
  3. TSheets - transform your payroll and timesheet management
  4. Fathom - a suite of tools to enhance business intelligence and identify trends to inform decision-making
  5. - app enabling one-touch bill payments
  6. Insightly - sophisticated CRM integration with project management capabilities 
  7. SOS Inventory - solution to save you hours on inventory management
  8. CardChamp - our tailored and cost-effective payment processing solution

Dive deeper into what these integrations can do and the key benefits in our blog post: 8 Quickbooks Integrations Every Controller Needs to Know.


Streamline payment processing with CardChamp’s QuickBooks payment gateway integration

CardChamp has been helping businesses to manage their payment processing since 2009. Our honest and straightforward approach to credit card processing is refreshing for business owners and is why CardChamp boasts glowing online reviews from our customers.

We typically save businesses up to 25% compared to existing payment processing solution providers. This includes our innovative technology and seamless QuickBooks integration. Plus, we make it easy to get started - in just 15 minutes - and we don’t penalize you if you want to cancel your account.

Learn more about how to streamline your Quickbooks Payment Processing with CardChamp.


How to integrate CardChamp with QuickBooks Merchant Services

Our QuickBooks payment gateway integration is easy to set up. Simply download our module for QuickBooks Enterprise, Desktop or Online. Once the integration is complete, your transactional data seamlessly syncs and your enhanced QuickBooks system is ready to go. If you need any additional support, the CardChamp team is ready to help and deal with any queries you might have!

In our handy article, we’ve outlined the key steps involved in the CardChamp’s QuickBooks payment gateway integration (Transax): QuickBooks Installation Guide with Transax Gateway.

Introducing CardChamp’s Transax payment gateway 

CardChamp’s sophisticated and innovative payment gateway system, Transax, offers a range of dynamic features and robust APIs for custom integrations. Transax is supported by our team of in-house development and payment experts to support your payment processing needs. If your business primarily processes card-not-present transactions, Transax is the ideal solution. However, CardChamp’s Clover point-of-sale (POS solutions) can cover all your in-person merchant payment processing needs.

Here are just some of the features offered by CardChamps’s Transax payment gateway system:

  • Virtual terminal
  • Bundle processing
  • Recurring billing
  • SAFE tokenization
  • Hosted payment page
  • Invoice management
  • Mobile app
  • Seamless QuickBooks integration

Learn more about our Transax payment gateway solution.

What about point-of-sale (POS) solutions?

For in-person and in-store payments, CardChamp utilizes Clover POS systems, which offer powerful and modern ways to process credit cards. Clover terminals are easy to use and integrate and efficient for customers. There are lots of customizable features to fit different business needs. 

Does Clover integrate with QuickBooks?

Clover’s App Market allows you to customize your POS systems through a range of integrations. The Clover integration with QuickBooks can be set up via CardChamp to combine your online and offline payment processing with inventory management, with data consolidated into QuickBooks.

CardChamp’s range of Clover POS solutions and support

We offer a range of POS solutions with Clover and when we set your Clover systems, CardChamp’s support doesn’t end at the sale. We’ll work closely with your business to select and integrate the right features to ensure you maximize your use of Clover.

Clover POS systems are more than just credit card terminals. They can transform how your business operates, while our dedicated team of experts will guide you to achieving efficiency and ROI. We can customize your POS solutions and help you integrate Clover with QuickBooks.

Learn more about our Clover POS solutions and support, plus CardChamp’s range of other powerful payment solutions for businesses of all types and sizes.



We hope our guide to optimizing your QuickBooks Merchant Services with payment integrations has been helpful and shown you how to reduce excessive fees, streamline payment processing and achieve an all-in-one solution for managing your finances.

CardChamp’s QuickBooks payment gateway integration enables you to enjoy all the benefits of QuickBooks Merchant Services but with customization capabilities, cost-efficiencies and add-ons to meet your business needs.

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Getting started with CardChamp: Transform QuickBooks Merchant Services with our seamless integration

Are you ready to get started with CardChamp’s seamless integration with Intuit Payments to optimize your QuickBooks Merchant Services? 

Get started with our QuickBooks gateway integration by filling out the form below.

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