QuickBooks GoPayment appears to offer a competitive solution in the mobile card reader market, but there are limitations for those considering it as a standalone card reader solution.
The limited app features or options to integrate with a receipt printer could be deal-breakers for some merchants. Moreover, nudges to opt for a QuickBooks Online or Desktop package just for basic reporting capabilities make it best for merchants already using QuickBooks for bookkeeping.
If you’re using QuickBooks already, GoPayment offers the smoothest integration with in-person payments. Just beware that more complex point-of-sale features are not possible with GoPayment, so it is best used for simple transactions.
Another benefit is the dedicated merchant account included at no monthly cost, which gives you greater payment stability and clear card processing limits. With transactions above a certain volume, though, it may be best to subscribe to a monthly plan for reduced card rates and PCI compliance.
On the plus side, there’s no contractual lock-in either way, so there’s always the option to try it out and take it from there.