Our rating(3.5/5)
QuickBooks GoPayment is Intuit’s app-based card reader solution for in-person payments.
QuickBooks GoPayment is a payment app and card reader enabling you to accept credit cards face-to-face. You can use it as a standalone solution for in-person payments or in conjunction with QuickBooks software.
  • Highs: Includes your own merchant account with good account stability. Syncs perfectly with other QuickBooks tools. Transparent processing limits.
  • Lows: Can’t access sales reports without subscription. Price plans not clear. Poor customer service reviews.
  • Choose if: You’re an existing QuickBooks user who wants a seamless integration with simple in-person card payments.

How it works

Previously called Intuit GoPayment, QuickBooks GoPayment enables merchants to accept credit cards through a card reader connected to a simple payment app on your phone or tablet.

In contrast to Square and PayPal, GoPayment includes your own, full-fledged merchant account for card processing. This gives you greater account stability, clear transaction limits and therefore a far lower risk of payment issues.

Accepted payments

VisaMastercardAmerican ExpressDiscoverContactlessApple PayGoogle PaySamsung Pay

There’s a choice between two card readers paid for upfront, and pay-as-you-go transaction fees or a monthly fee for lower card rates.

Although possible to use GoPayment as a standalone solution, it’s primarily marketed as an extension to existing QuickBooks users who want a seamless accounting integration with face-to-face payments.

Transactions accepted through the app are automatically synced with QuickBooks software, more smoothly than if you integrated QuickBooks with a third-party solution like Square Payments.

The card reader accepts the major credit and debit cards including Visa, Mastercard, American Express and Discover, and the mobile wallets Apple Pay, Google Pay and Samsung Pay.

Payouts take around 1-3 business days to transfer to your bank account, depending on your QuickBooks subscriptions and bank.

The nearest alternatives? See our 2020 comparison of card readers

GoPayment fees and pricing

QuickBooks GoPayment fees have changed several times over the last few years, but hidden fees have mostly been eliminated. Despite the commendable effort to be more transparent, the pricing can be confusing when you look closer.

For one, there’s a specific set of fees for using GoPayment with a QuickBooks Online package or as a standalone solution without integrating with other QuickBooks tools. Then there’s separate pricing for QuickBook Desktop users in particular.

The pay-as-you-go option in either case gives you the highest per-transaction rates. In order to get lower transaction fees, you can pay a monthly fee specifically to get better transaction rates, paid on top of any QuickBooks subscription used in conjunction with this.

GoPayment only, OR linked
to QuickBooks Online
GoPayment
pay-as-you-go
GoPayment
monthly plan
Monthly feeNone$20
Chip and Magstripe Card ReaderFirst one freeFirst one free
All-in-One Card Reader$49$49
Swipe/dip/tap fee per transaction2.4% + 25¢1.6% + 25¢
Keyed-in card fee per transaction3.4% + 25¢3.2% + 25¢
ACH payments1% (max $10)1% (max $10)
GoPayment only, OR linked
to QuickBooks Online
GoPayment
pay as you go
GoPayment
monthly plan
Monthly fee
None$20
Chip & Magstripe Card Reader
First one freeFirst one free
All-in-One Card Reader
$49$49
Swipe/dip/tap fee per transaction
2.4% + 25¢1.6% + 25¢
Keyed-in card fee per transaction
3.4% + 25¢3.2% + 25¢
ACH payments
1% (max $10)1% (max $10)

When you sign up with GoPayment, you receive an email voucher for claiming a free Chip and Magstripe Card Reader to use with the app. This requires creating a QuickBooks Payments account where all QuickBooks payment methods are managed.

To create such an account, new users are encouraged to subscribe to a QuickBooks Online plan (existing users can just sign in), which can be the following:

  • Simple Start: $25/month
  • Essentials: $40/month
  • Plus: $70/month
  • Advanced: $150/month

There’s usually a promotional offer on the Online plans for new users, for instance “save 50% for the first 3 months”.

You can, however, choose not to subscribe to a QuickBooks Online plan and just use the payment app with card reader as a standalone solution.

All the GoPayment plans are commitment-free, so can be canceled any time without termination fees. There are also no setup fees or ongoing costs for the merchant account.

All GoPayment solutionsPricing
Setup feeNone
Merchant accountFree
Minimum monthly sales volumeNone required
Termination feeNone – no lock-in
PCI compliance$9.95-$30/month
Per chargeback$25
ACH bank reject charge$25
Returned check fee$10
Authorization fees29¢ + 7¢ surcharge for some credit card payments
All GoPayment
solutions
Pricing
Setup feeNone
Merchant accountFree
Minimum monthly sales volumeNone required
Termination feeNone – no lock-in
PCI compliance$9.95-$30/month
Per chargeback$25
ACH bank reject charge$25
Returned check fee$10
Authorization fees29¢ + 7¢ surcharge for some credit card payments

PCI compliance – a normal requirement with a merchant account – does cost extra. These fees are not advertised clearly and depend on the annual number/value of transactions as well as chosen plan. If, for example, you are on a monthly GoPayment plan, PCI compliance should be included, while the pay-as-you-go option asks you to opt into a monthly $9.95 monthly fee.

Furthermore, it used to be the case that GoPayment’s “swipe fee” (which also covers contactless and EMV cards) only applied to specific, qualified Mastercard and Visa cards, with extra fees added to other card payments. These additional fees are now gone, except for a 29¢ authorization fee and 7¢ authorization fee surcharge on certain non-qualified payments (read the contract terms for details).

As for QuickBooks Desktop users, the card rates differ slightly from the above fees:

GoPayment with
QuickBooks Desktop
Pay as you goPay monthly
Monthly feeNone$20
Chip and Magstripe Card Reader$19$19
All-in-One Card Reader$49$49
Swipe, chip & contactless payments2.4% + 30¢1.6% + 30¢
Keyed & invoiced card payments3.5% + 30¢3.3% + 30¢
ACH bank transfers$1 each$1 each
GoPayment with
QuickBooks Desktop
Pay as you goPay monthly
Monthly fee
None$20
Chip & Magstripe Reader
$19$19
All-in-One Card Reader
$49$49
Swipe, chip & contactless payments
2.4% + 30¢1.6% + 30¢
Keyed & invoiced card payments
3.5% + 30¢3.3% + 30¢
ACH bank transfers
$1 each$1 each

A great thing about GoPayment is their card processing limits that are clearly shown in the online QuickBooks account. All you have to do is keep transactions below those limits to avoid frozen funds. Several competing card reader services are more secretive about these, causing more payment headaches.

If your business processes more than $7,500 a month, you can negotiate up to 40% lower rates with QuickBooks directly.

Card reader specs

You can choose between the following two card readers with GoPayment.

QuickBooks All-in-One Bluetooth Card Reader:

  • Comes with charging dock and USB cable
  • Accepts magnetic stripe, chip (EMV) and contactless (NFC) cards and digital wallets
  • Connects with payment app via Bluetooth
  • Compatible operating systems (app): iOS 10.0 or above, Android 4.1 JellyBean or above
  • Compatible with QuickBooks Desktop 2018+ via USB cable
  • Battery life from full charge: 115 transactions
  • Reader: 79 g; cradle: 352 g
GoPayment All-in-One reader

QuickBooks Chip and Magstripe Bluetooth Card Reader:

  • Comes with USB charging cable
  • Accepts magnetic stripe and chip (EMV) cards
  • Connects with payment app via Bluetooth
  • Compatible operating systems (app): iOS 10.0 or above, Android 4.1 JellyBean or above
  • Compatible with QuickBooks Desktop 2018+ via USB cable
  • Battery life from full charge: 115 transactions
  • Reader: 44 g

The card readers come with a 60-day warranty, which is really not a long time considering Square and PayPal Here both provide a year’s warranty on their terminals.

While the terminals are used in conjunction with the QuickBooks GoPayment app available in the App Store and Google Play store, you can also connect them, with the USB cable, to a computer running QuickBooks Desktop and accept card reader payments that way. This, of course, requires that you’re subscribed to a QuickBooks Desktop plan.

As for accessories, neither the card reader nor app connects with a receipt printer, cash drawer or any other POS equipment. For that, QuickBooks has its own POS solution unrelated to GoPayment.

QuickBooks GoPayment app

The GoPayment app is pretty basic. It’s suitable for simple payments, lacking sophisticated features needed for, say, a full-fledged retail POS system.

For example, the product library doesn’t have stock counts and the tax settings are no more than basic (ironic considering QuickBooks is a cloud accounting leader). Nor can you view past transactions or even a simple sales overview in the app.

Images: App Store

Here are more or less all the features available in the GoPayment app:

  • Add up to 50 users accounts

  • Accept card reader payments

  • Key-in card transactions (without card reader)

  • Transactions through taking a picture of credit card

  • Accept ACH/eCheck payments

  • Record cash payments

  • Enter custom transaction amount with description

  • Basic product library

  • SMS & email receipts

  • Tipping

  • Add taxes

  • Discounts (% or $)

A neat touch is the ability to add up to 50 user accounts, which would be relevant with a team of staff. There’s also a virtual terminal for keyed-in payments, accessible if you log in to your ‘Merchant Service Center’ in an internet browser.

Note that if you just use GoPayment without a QuickBooks Online plan, you cannot generate or print sales reports – not in the app, nor on the online account. This is an annoying shortcoming competing card readers don’t have (you should at least be able to view transaction history and export daily sales reports for accounting purposes).

However, if you’re using QuickBooks Online, the reporting tools cover GoPayment transactions, so in that case it would work very well.

Photo: QuickBooks

QuickBooks GoPayment app at market stall

QuickBooks GoPayment app can be used for key-in card transactions if you haven’t got a card reader on you.

Customer service and user reviews

The support team for QuickBooks Payments is available, for free, by phone on business days between 6am and 6pm and Saturdays between 6am and 3pm (PT). There is also an online resource section, community forum for discussions with other QuickBooks users, website chat and Facebook messaging.

Though you do get better account stability with GoPayment because of the dedicated merchant account, when there’s an issue with the app or anything else, you may not get prompt support from the customer service team. Many customer reviews indicate that the support feels non-existent when help is needed, including long holds on the helpline.

When it comes to payment issues, there are few complaints. Issues with the app are more frequent, e.g. being unable to log into the account or general technical faults with the app. We see the app is regularly updated, though, so QuickBooks is okay with fixing bugs.

Our verdict

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.