QuickBooks Payments vs Stripe: Fees, Features and Which to Choose (2026)
By Jason M. · Published · Rates checked November 8, 2026
QuickBooks Payments and Stripe are two of the most popular ways to accept payments, and we compared both. CrikSales was designed to support businesses that accept a range of payment mechanisms, including QuickBooks Online Payments, Stripe and PayIQ, and it makes it easy to accept payments through either QuickBooks Online Payments or Stripe.
Which is cheaper, QuickBooks Payments or Stripe? It depends on the payment type and size. Stripe costs less on card payments above about $333 and on large ACH payments, where its fee is capped at $5. QuickBooks Payments has the lower in-person rate and a flat 2.99% that is simpler for invoice-led businesses.
How do QuickBooks Payments and Stripe fees compare?
| Payment type | QuickBooks Payments | Stripe |
|---|---|---|
| Online and invoice cards | 2.99% | 2.9% + 30¢ |
| In-person cards | 2.5% | 2.7% + 5¢ |
| Manually entered cards | 3.5% | 2.9% + 30¢, plus 0.5% |
| ACH bank payments | 1% (no cap stated) | 0.8% at standard settlement, capped at $5 |
| International cards, currency conversion | Not on Intuit's current rate page | +1.5% for international cards, +1% when conversion is needed |
| Invoicing | No charge to send an invoice | Stripe Invoicing adds 0.4% (Starter) or 0.5% (Plus) per paid invoice |
| Instant payout | 1.75% instant deposit | 1.5% instant payout, 50¢ minimum |
| Monthly or setup fees | None for processing | None for standard payments |
Stripe also charges $15 per dispute received. Intuit says merchants processing over $2,500 a month can ask about up to 25% off its standard rates.
What does it cost in practice?
Published rates tell only part of the story. These simplified U.S. examples exclude taxes, refunds, disputes, custom rates and optional products unless listed.
| Scenario | QuickBooks Payments | Stripe | Takeaway |
|---|---|---|---|
| Invoice-heavy service business: $10,000 a month in 20 card invoices of $500 | $299 | $296 ($336 with Invoicing Starter) | Close on cards. Stripe Invoicing can erase the gap, and QuickBooks may save admin time with automatic invoice matching. |
| ACH-heavy B2B business: $25,000 a month in 10 ACH payments of $2,500 | $250 | $50 | Stripe's $5 cap makes large ACH payments far cheaper. |
| Online checkout: $40,000 a month in 500 card payments of $80 | $1,196 | $1,310 | QuickBooks is cheaper on small payments, but it is not a like-for-like replacement for a custom checkout. |
The card math is simple: Stripe's 2.9% + 30¢ beats QuickBooks' flat 2.99% only when a payment is larger than about $333. For ACH, a $10,000 payment costs $100 through QuickBooks Payments and $5 through Stripe.
Which is better for invoicing and recurring billing?
QuickBooks Payments suits businesses that send routine invoices, bill the same customers on a schedule, or collect deposits. You can email invoices, track their status, schedule recurring payments and send reminders, and customers can pay by card, ACH, Apple Pay, PayPal or Venmo.
Stripe also supports invoices, saved payment methods, recurring billing and ACH, but its strength is flexibility. Stripe Billing (0.7% of Billing volume on pay-as-you-go) handles subscriptions, usage-based charges, custom pricing and automated payment retries, which suits SaaS, memberships and tiered plans.
Which fits your business?
| Business type | Better fit | Why |
|---|---|---|
| Service business | QuickBooks Payments | Simple invoices, ACH, recurring payments and automatic bookkeeping records |
| B2B with standard client billing | QuickBooks Payments | Invoice collection, payment tracking and reconciliation |
| B2B with high-value ACH payments | Depends | Stripe's $5 ACH cap can cut costs on larger bank payments |
| Ecommerce | Stripe | Checkout customization and ecommerce integrations |
| SaaS or subscription | Stripe | Subscriptions, usage-based billing and automated recovery |
| Contractor or field service | QuickBooks Payments | Mobile payments, payable invoices and QuickBooks sync |
| Marketplace or global seller | Stripe | APIs, connected accounts, more payment methods and currencies |
How do setup and ease of use compare?
QuickBooks Payments is easier to set up if you already use QuickBooks: the interface, invoicing tools, customer records and reporting are familiar, and you start by creating an account and completing a merchant application. Stripe is simple with Payment Links or a hosted checkout page, but custom checkout, subscriptions, marketplaces and custom POS workflows call for technical setup or a developer. Its documentation is strong.
Track payments in CrikSales
Payments collected in the CrikSales portal are tracked end to end. The Payments tab shows the status of every invoice where a payment was started, across all customers, whether or not it was completed, and ACH payments show "bank payment clearing" until the funds arrive. Each payment and attempt is logged against the customer's account, and a receipt is generated automatically on success. You can choose per customer whether they pay by card, ACH or both, let them save cards on file, and send a payment link that opens a pay page with no login. CrikSales also helps you keep track of B2B QuickBooks Online Payments. See CrikSales Payments & Invoicing or how Stripe payments work.
QuickBooks Payments vs Stripe FAQ
Is QuickBooks Payments or Stripe cheaper?
It depends. Stripe's 2.9% + 30 cents online card rate beats QuickBooks Payments' flat 2.99% above about $333, and Stripe's ACH fee is capped at $5. QuickBooks Payments has the lower in-person rate (2.5% vs 2.7% + 5 cents).
What are the ACH fees for QuickBooks Payments and Stripe?
QuickBooks Payments charges 1% per ACH payment with no cap listed, so $10,000 costs $100. Stripe charges 0.8% at standard settlement, capped at $5, or 1.2% for two-day settlement.
Do QuickBooks Payments or Stripe charge monthly fees?
Neither charges a monthly or setup fee for standard processing. Optional products add cost, such as Stripe Invoicing (0.4% or 0.5% per paid invoice) and Stripe Billing (0.7% of Billing volume), and your QuickBooks Online subscription is separate.
Can CrikSales accept QuickBooks Online Payments and Stripe?
Yes. CrikSales makes it easy to accept payments through QuickBooks Online Payments or Stripe, and was designed to support others such as PayIQ. For Stripe, connect your account under Tools, then Stripe Payment Configuration, and choose card, ACH or both.
Rates are U.S. list rates, checked November 8, 2026. Intuit's rate page is dated September 18, 2026, and Stripe's pricing pages carry no date. Providers can change rates, so confirm before you decide. See QuickBooks Payments rates, QuickBooks invoicing, Stripe pricing, Stripe ACH pricing and Stripe Invoicing.
Ready to take payments in your B2B portal? Start your free trial, or browse the CrikSales blog.
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