Last Updated on November 29, 2025 by Ewen Finser
If you run an SMB, there’s a good chance you’re using QuickBooks to manage your accounting tasks. After all, it’s one of the most popular accounting solutions out there.
But even though you can use QuickBooks as an all-in-one tool for managing your AP and AR, many businesses choose to use a different payment processor that they can then integrate into QuickBooks.
Here are some of the most common options.
Why Use a Separate Payment Processor?
Every new software you acquire is something new to learn and comes with an additional expense. That’s why many businesses prefer to stick with QuickBooks, which allows you to pay your vendors and receive payments from your customers just like any other processor.
However, using QuickBooks alone has its limitations.
- No International Payments: On its own, QuickBooks doesn’t support international payments. If you need to pay global vendors, you’ll need a third-party payment processor.
- ACH Fees: QuickBooks charges a flat 1% fee for ACH bank transfers (which can really add up over time), while many competing payment processors provide free transfers.
- No Instant Payments: QuickBooks does not support instant vendor payments. You can pay them within one business day if you use its Faster ACH, but this lags behind competitors that can deliver payment within minutes.
Top Payment Processors for QuickBooks: At a Glance
Processor | Best For | Transaction Fees | Pricing |
Melio | Small and medium-sized U.S. businesses that want to manage both AP and AR | Card: 2.9%ACH: Free | Go ($0), Core ($25/month), Boost ($55/month), Unlimited ($80/month) |
Helcim | Businesses that want to avoid monthly fees and collect in-person payments | Card: Variable rate by card type + $0.25ACH: 0.5% + $0.25 | No subscription fee |
Stax Pay | Businesses that have high payment processing volumes and want in-person payment options | In-person payments: Interchange + $0.08Online payments: Interchange + $0.15 | Tiered at $99/month, $139/month, and $199+/month |
FlexPoint | Businesses with high payment processing volumes that want to integrate with QuickBooks Desktop | Card: Interchange+ACH: Plan-dependent; $1, $0.50, or $0.25 | Tiered at Essentials, Growth, and Plus — subscription fees not publicly disclosed. |
Veem | Businesses that have frequent cross-border transactions and want to manage both AP and AR | Card: 2.5% to receive (business accounts), 1% to sendACH: FreeFee structure differs if using the Veem Wallet. | Basic ($0) & Premium ($24.99/month) |
Payoneer | Freelancers and international online marketplaces | Card: Up to 3.99%ACH: 1% | No subscription fee |
Tipalti | Businesses that want to automate accounts payable | Not publicly disclosed | Tiered at Select ($99/month), Advanced ($199/month), and Elevate (custom pricing) |
Benji Pays | Businesses that want to automate accounts receivable | Plan-dependent.Standard and Advanced: After 100 transactions, $0.80Elite: After 400 transactions, $0.50Enterprise: Custom rates | Tiered at Standard ($129/month), Advanced ($199/month), Elite ($399/month), and Enterprise (custom pricing) |
Melio
Melio allows you to easily sync your vendor details, outgoing payments, and incoming payments into both QuickBooks Online and Desktop.
Its fees are competitive and somewhat lower than those you’d face if you relied solely on QuickBooks.
- Card: 2.9% fee
- ACH Bank Transfer: Free (three business days); instant payment available at a 1% fee
It’s also possible to make international payments with Melio, which supports 15 currencies in over 80 countries.
- International Bank Transfer: $20
- International Card Payment: 2.9% + $20
Melio has four main plan options for you to choose from to manage your AP and AR. There’s also a custom plan available, but that’s tailored to high-volume businesses. Here’s a look at Melio’s offerings:
- Go: Free
- Limited to one user
- 5 free ACH/month
- 10 free QuickBooks Online syncs
- Core: $25/month
- $10/month for every additional user
- 20 free ACH/month
- Unlimited syncs with QuickBooks Online
- Boost: $55/month
- $10/month for every additional user
- 50 free ACH/month
- Unlimited syncs with QuickBooks Online and QuickBooks Desktop
- Unlimited: $80/month
- Unlimited users with no additional charge per user
- Unlimited free ACH
- Unlimited syncs with QuickBooks Online and QuickBooks Desktop
The customer support options available to you also depend on which plan you have. With most plans, you’re limited to live chat and email support. The Unlimited plan comes with priority support, phone support, and an account manager.
Helcim
Helcim’s focus is on collecting payments from customers. It integrates with QuickBooks Online, so you can perform your bookkeeping duties with QuickBooks while enjoying Helcim’s generally lower payment processing fees. Of special note here is the fact that you can apparently set up their QuickBooks Online integration within minutes.
Unlike Melio, there are no monthly fees associated with Helcim — so, depending on your business situation, it could prove to be less expensive overall.
Most notably, its transaction fees are competitive:
- Mastercard, Visa, and Discover: 2.27% + $0.25
- American Express: 3.01% + $0.25
- ACH: 0.5% + $0.25, $6 cap for transactions under $25,000.
You can also receive international payments with Helcim, but there are additional fees associated with cross-border transactions, which differ depending on the card company.
Helcim additionally provides tools for collecting in-person payments, like a smart terminal, card reader, and tap-to-pay on iPhone, but these solutions come with their own fees. If you need to get in touch with someone, you can create a support ticket and receive a response within 12 business hours. For urgent issues, you can call their support team, which is available Monday through Saturday.
Stax Pay
Stax Pay is similar to Helcim in that its main focus is on collecting payments from customers. When you integrate it with QuickBooks Online, transactions created in Stax Pay will be automatically downloaded into QuickBooks. As with Helcim, Stax Pay offers in-person payment options like smart terminals and a mobile card reader.
The monthly subscription fee for Stax Pay is tied to your processing volume:
- $99/month: Up to $150,000 per year
- $139/month: Between $150,000 and $250,000 per year
- $199+/month: Over $250,000 per year
The cost of a monthly subscription might seem high at first, but it’s important to know that with Stax Pay, there’s a 0% markup on direct cost interchange. There are small transaction fees, however. Stax doesn’t publicly disclose them on their website, but customer and competitor reports show that their in-person payments are subject to a $0.08 processing fee, while the fee for online payments is $0.15.
Customer support options include live chat and phone support, which is available Monday through Friday. You can also fill out a contact form on their website, where you can provide details about your issue and attach screenshots.
FlexPoint
While some payment processors only integrate with QuickBooks Online, FlexPoint integrates with QuickBooks Desktop as well. When you integrate with QuickBooks, you can sync invoices, automate payment processing, and perform real-time payment reconciliation.
FlexPoint has three distinct plans for you to choose from: Essentials, Growth, and Plus. However, they don’t publicize the subscription fee for each plan, so you’d have to contact them and get a quote to know what you’d be looking at.
Here’s how the plans stack up when it comes to their transaction fees and capabilities. Note that the exact markup on interchange is not disclosed.
- Essentials:
- Credit card fee: Interchange+
- ACH: $1 per transaction
- Same-day ACH: 1% fee
- Monthly processing cap: $50,000/month
- Growth:
- Credit card fee: Interchange+
- ACH: $0.50 per transaction
- Same-day ACH: $50,000/month included with plan
- Monthly processing cap: $100,000/month
- Plus:
- Credit card fee: Interchange+
- ACH: $0.25 per transaction
- Same-day ACH: $100,000/month included with plan
- Monthly processing: Unlimited
You can get in touch with a FlexPoint support agent via either phone or email, and they aim to resolve issues within one business day.
Veem
Veem is another AP/AR solution with strong international capabilities, supporting payments in over 80 currencies to more than 100 countries. When you integrate it with QuickBooks Online, you can sync details about your clients and vendors, bills/invoices, and payments. However, note that their free Basic plan doesn’t support accounting integrations, so if you want to sync with QuickBooks, you’ll need their $24.99/month Premium plan.
The cheapest way to pay and get paid is by using the Veem Wallet, which is a digital account that comes with every Veem profile. It’s free to send and receive money with the Veem Wallet, but funding it and withdrawing money may have associated fees depending on which method you use.
- Domestic Bank Transfer: Free to fund, free to withdraw if using the Premium plan
- US Debit Card: 1.5% (minimum of $1.50) to fund, 1% (minimum of $1.50) to withdraw
- International Debit Card: 2% (minimum of $2.50) to fund and withdraw
If you’re not using the Veem Wallet, the fee structure is a little different.
- Domestic Bank Transfer: Free to send (Premium plan), free to receive
- International Bank Transfer (USD): Free to send, $29 to receive ($40 for transactions over $10,000)
- US Debit Card: 2.5% (minimum of $3.50) to receive for business accounts, 1% (minimum of $1.50) to send
- International Debit Card: 3.75% (minimum of $3.50) to send, 1% (minimum of $1.50) to send
Of Veem’s available payment options, Veem Wallet has the fastest payment delivery time, with funds arriving instantly. You can also send funds quickly via instant bank transfer, but this method comes with an additional 1% charge.
Veem has 24/7 live support available via chat, email, and phone.
Payoneer
Payoneer is geared toward freelancers and international online marketplaces, and it’s an ideal option when dealing with frequent cross-border payments since you can conduct transactions with vendors in over 190 countries and 100+ currencies. It also integrates with QuickBooks Online — you can connect any Payoneer balance to QuickBooks, as long as you have a matching bank account with the same currency within QuickBooks.
Payoneer doesn’t offer any predefined plans, and there aren’t any fees associated with having an account. You’ll only face an annual fee if you receive less than $2,000 over a 12-month period, in which case you’ll be charged $29.95.
Here are the transaction fees you’d be looking at with Payoneer.
- Payoneer to Payoneer Transactions: Free, funds arrive instantly
- Credit Card: Up to 3.99%
- ACH Bank Debits: 1%
- Withdrawal from Payoneer Account: $1.50 if total withdrawals and payments during a single calendar month are less than $50,000; otherwise, 0.5%
Like its competitors, there are several different ways to get in touch with someone at Payoneer, including chat, email, and phone.
Tipalti
Tipalti’s platform is centered around automating the AP process. It integrates with three different versions of QuickBooks Online (QuickBooks Online Advanced, QuickBooks Online Plus, and QuickBooks Online Essentials), letting you reconcile your payables to QuickBooks and pay global suppliers. It supports payments to 200+ countries, over 120 currencies, and over 50 payment methods, including ACH bank transfer, wire transfer, global ACH, and paper check.
The company offers three plans:
- Select: $99/month
- Advanced: $199/month
- Elevate: Custom pricing
There are strong international payment capabilities here, but you’ll at least need the Advanced plan if you want to take advantage of them. Elevate comes with even more global features, such as multi-currency fund management.
Note that Tipalti doesn’t disclose any per-transaction fees on its website, so you’d have to wait until negotiations to find out what costs you’d face. Transaction fees are likely customized depending on your plan and the specifics of your business.
Phone and email support are available daily. If you want to chat live with an agent, you can do so on weekdays. Tipalti’s average first response time to customers requesting support is under two hours.
Benji Pays
Benji Pays is an automated accounts receivable platform, rather than a bill pay solution. However, it integrates with both QuickBooks Online and QuickBooks Desktop, so you can sync your payments, deposits, and refunds regardless of which version you use. It also supports cross-border transactions and transactions in foreign currencies.
When paying annually, its plans cost:
- Standard: $129 for 100 transactions/month, $0.80 per additional transaction
- Advanced: $199 for 100 transactions/month, $0.80 per additional transaction (but with additional features)
- Elite: $399 for 400 transactions, $0.50 per additional transaction
- Enterprise: Custom pricing and custom transaction rates, for those with over 800 monthly transactions
Benji Pays makes both email and phone support available to customers, or you can submit a support ticket online if desired.
Which Payment Processor Is the Best for QuickBooks?
If you’re looking for a payment processor to use with QuickBooks, there are several effective options available to you. Ultimately, the best one is going to depend on your specific circumstances. Do you run an online marketplace? Payoneer could be the best choice. Looking for AP automation? Tipalti could be right for you. Facing frequent cross-border transactions? Veem might fit your requirements.
But outside of niche business needs, Melio is generally going to be the strongest bet for most small and medium-sized businesses. It can handle both AP and AR, its fees are competitive, and unlike many other choices, it doesn’t just integrate with QuickBooks Online but also with Desktop.
In my opinion, it’s one of the most well-rounded payment processors currently available.