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QuickBooks GoPayment is a mobile point-of-sale app that helps small-business owners process payments on the go. The app uses QuickBooks Payments to process transactions, and clients can pair it with the QuickBooks Card Reader to accept dipped, swiped and digital wallet payments. QuickBooks Payments is only available to businesses that use QuickBooks for accounting.
For mobile businesses that already rely on QuickBooks for their accounting needs, the GoPayment app, combined with QuickBooks Payments, is a convenient way to accept payments without having to find a third-party processor. Available for both Android and iOS devices, the app itself is free, though you'll need to pay payment processing fees.
How does QuickBooks GoPayment work?
Before you download the app, make sure to sign up for QuickBooks Payments and connect it with your QuickBooks Payments account. If you already have a card reader, you’re ready to download QuickBooks GoPayment and link them together using Bluetooth. From there, your mobile device will turn into a basic point-of-sale system, equipped with the following capabilities:
Mobile payment processing.
Syncs transactions with QuickBooks Online account.
Card camera scanning.
Set up a tipping option with QuickBooks Card Reader.
Basic inventory item library.
Send receipts through SMS and email.
QuickBooks Payments pricing
QuickBooks GoPayment is free to download, but you’ll need QuickBooks Payments to actually process transactions. The service has a flat-rate pricing structure that varies depending on whether you use QuickBooks Desktop or QuickBooks Online for accounting.
For QuickBooks Online
No monthly fee.
2.4% plus 25 cents per swiped, dipped, tapped and contactless transaction.
3.4% plus 25 cents per keyed-in transaction.
2.9% plus 25 cents per invoice transaction.
For QuickBooks Desktop
Pay as you go plan
No monthly fee.
2.4% plus 30 cents per swiped transaction.
3.5% plus 30 cents per keyed-in transaction.
3.5% plus 30 cents per invoiced transaction.
Pay monthly plan
$20 per month.
1.6% plus 30 cents per swiped transaction.
3.3% plus 30 cents per keyed-in transaction.
3.3% plus 30 cents per invoiced transaction.
Convenient for QuickBooks clients
Having your accounting software, POS system and payment processing services under one roof is a time-saver. For one, you don’t have to reach out to multiple companies when something goes wrong and you need support. Secondly, transactions accepted by the QuickBooks Card Reader, which can be paired with the GoPayment app, are automatically reconciled in QuickBooks’ accounting software. In addition, there’s a good chance that existing QuickBooks accounting customers already use the company’s payment processing service to accept electronic payments from emails or invoices.
Limited to businesses that use QuickBooks accounting
Oftentimes, non-accounting QuickBooks products only integrate with other Intuit and QuickBooks products, or they require a business to use its accounting software. Someone using Xero accounting, for example, couldn’t use the GoPayment app or QuickBooks Payments for credit card processing. Overall, the product isn’t a good fit for people who like to combine services from multiple providers.
Payment processing fees:
2.29% plus 9 cents per card-present transaction.
3.49% plus 9 cents per keyed-in transaction.
The PayPal Zettle POS app is free, like QuickBooks GoPayment, but its card-present processing rate is less expensive. There are no long-term contracts or monthly fees, and the first card reader is $29. If you need additional card readers, they’re $79 each. The system also integrates with QuickBooks Online.
Payment processing fees:
2.6% plus 10 cents per tapped, dipped and swiped transaction.
3.5% plus 15 cents per card-not-present transaction.
Square’s POS app is also free, and you’ll receive a free card reader when you sign up. The company’s processing rates take a larger percentage of each transaction than QuickBooks Payments does, but the software includes other freebies, like inventory management capabilities and an e-commerce site, that might make up for it.
A version of this article was first published on Fundera, a subsidiary of NerdWallet.