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AllProPay vs QuickBooks

An honest, side-by-side look using each provider's publicly published pricing. QuickBooks Payments is excellent at what it is built for. Here is where each one fits, and what you actually pay.

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Side by side

Published rates and terms. Verify current pricing on each provider's site.

AllProPay vs QuickBooks Payments, based on publicly published standard pricing as of June 2026.
 AllProPayQuickBooks Payments
Pricing modelThree programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your numbers with you.Flat rate, integrated with QuickBooks accounting and invoicing.
Published online rateBased on your volume and card mix. We show you the number.About 2.99% for card and digital wallet; 2.9% + 25¢ on online invoices.
Invoice rateSet by the program that fits your business. We show you the math.About 2.99% for card and digital wallet; keyed entry 3.5%.
Can you see your true cost?Yes. Every fee is itemized.No. The underlying interchange is bundled into the flat rate.
Contracts or cancellation feesNone.None. Pay-as-you-go with no monthly fee on the standard plan.
Free review of your current feesYes, no obligation.Not offered.
SupportA real person who knows your account.Mainly docs, phone, and chat, inside the QuickBooks platform.
Best forOwner-operated businesses that invoice, send payment links or keep a card on file.Businesses that invoice and do their books inside QuickBooks and want payments in the same place.
SetupWe set it up and help you switch with no downtime.Self-serve, built into QuickBooks.

When QuickBooks is the right call

QuickBooks Payments is genuinely strong if you invoice and run your books inside QuickBooks and want payments to land in the same place. Everything reconciles automatically, invoices get paid in a click, and there is nothing extra to manage. The pay-as-you-go plan has no monthly fee. If that is you, QuickBooks may be the right fit, and we’ll tell you so.

Where AllProPay fits better

Keeping payments inside QuickBooks is convenient, but a roughly 2.99% flat rate is high for steady invoice volume, and the business absorbs every fee with no built-in way to pass it on. AllProPay offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, shows every fee and what it’s for, gives you a person to call, and can still work with your accounting workflow.

One $100 invoice paid by debit card, two receipts: $2.99 with QuickBooks's published rate vs $0.77 with AllProPay interchange-plus Two receipts for the same $100 invoice paid by debit card, headed by the comparison $2.99 vs $0.77. QuickBooks's published invoice rate of about 2.99% gives a $2.99 processing fee, the same fee a premium rewards card would pay. The AllProPay receipt lists the sale of $100.00, debit, paid online; the card cost for a big-bank debit card, $0.27; our markup at an example 0.50%, $0.50; and a fee on this sale of $0.77. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21 cents plus 0.05% plus 1 cent. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. QuickBooks About 2.99% $2.99 About 2.99% of $100 is about $2.99 Published standard pricing as of June 2026. $0.27 Our markup (example 0.50%) $0.50 $0.77 27¢ card cost, plus 50¢ markup ONE $100 INVOICE Same invoice, same everyday debit card. Two ways to price it. vs Fee on the same $100 invoice Published flat rate vs interchange-plus, with an example markup. FLAT RATE Published invoice rate Sale $100.00 Card Debit, online Rate Processing fee The same fee a premium rewards card would pay. INTERCHANGE-PLUS AllProPay Follows the real cost of each card Sale (debit, online) $100.00 Card cost (interchange, big-bank debit) Fee on this sale A rewards card costs more. You see how much. SAME FEE, ANY CARD Debit costs less to accept A flat rate charges the same price on a cheap debit card as on a premium rewards card, so you cannot see what you actually pay. It depends on your card mix and how you sell. Interchange-plus shows you the true card-brand cost plus a clear, fixed markup. Verify current pricing on each provider's site. AllProPay side: illustration, not a quote. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21¢ + 0.05% + 1¢. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. LEGEND One flat rate, every card Real cost of the card, set by the banks Fixed markup, the part you compare

Common questions

Is AllProPay cheaper than QuickBooks Payments?
Yes. With Dual Pricing, customers who choose to pay by card cover the card fee, so your card processing fees drop to $0. QuickBooks Payments charges about 2.99% on every card and digital wallet invoice payment, about $150 a month on $5,000 in card payments, and blends the underlying cost so you can’t see what you actually pay. If you would rather keep one price for everyone, on interchange-plus you pay each card’s real cost plus a markup you can see, so a debit card costs far less than a premium rewards card instead of the same 2.99%. With Dual Pricing, the card fee is carried by the customer who chooses to pay by card, so your own processing cost can drop to near zero. QuickBooks publishes its rate, so you don’t need to send a statement: tell us your monthly volume and typical invoice size, or send a QuickBooks Payments report, and we’ll show you the difference on your own numbers.
Can I pass card fees to my customers with QuickBooks Payments?
QuickBooks Payments has no built-in way to pass fees to customers, so the business absorbs each fee. Fee handling depends on your state and the card-brand rules. AllProPay shows every fee and what it’s for, and walks you through your options where they’re allowed. Pricing changes, so verify current rates.
I only use QuickBooks to send invoices. Do I still need it?
If you don’t keep your books in QuickBooks, maybe not. QuickBooks Payments runs inside a QuickBooks Online subscription, which is billed separately from your payment fees, and plans often start at an introductory price before moving to the full monthly rate. If you only use it to send invoices, that subscription is a monthly cost of taking payments. AllProPay has invoicing, recurring billing and payment links, so you can send invoices and get paid without an accounting subscription. If you do keep your books in QuickBooks, keep it: our payments sync to QuickBooks Online.
Do AllProPay or QuickBooks lock you into a contract?
Neither uses a long-term processing contract on the standard plan. QuickBooks Payments has a pay-as-you-go option with no monthly fee, and AllProPay has no contract or cancellation fee. The difference is transparency and support: AllProPay offers the program that fits your business, shows every fee, and gives you a real person to call, and it can still work with your accounting workflow.

See the difference on your numbers

QuickBooks publishes its rates, so you don’t need a statement. Two numbers show you what you pay QuickBooks today. Want it in writing? Leave your details and we’ll send you the full side by side.

No statement neededQuickBooks publishes its rates. Your monthly card sales and average sale are enough to start.
What you pay QuickBooks todayWorked out from QuickBooks’s published rate, live as you type.
What you’d pay with usWith Dual Pricing, card processing fees drop to $0. We go over your setup with you on the call. Prefer one price for everyone? We price interchange-plus too.
In writing, from a personWe email you the full side by side. No cost, no obligation.
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