API integration (automatic)
Transactions, settlements, fees, refunds, and disputes sync into QuickBooks Online automatically through our full API integration, deposits match your books without anyone retyping a number.
Integrations
Credit Card Processing for QuickBooks
Merchant services that integrate with QuickBooks instead of replacing it. Accept cards and ACH on your invoices through a dedicated, underwritten merchant account, with Level 2/3 enhanced data cutting interchange on commercial cards, and every transaction synced back into QuickBooks by full API integration or CSV import/export in QuickBooks' own format.
- Full API integration
- QuickBooks-format CSV import/export
- Level 2/3 enhanced data
Answer first
Keep QuickBooks. Change what the payment costs.
If your business runs on QuickBooks, the path of least resistance is to let Intuit process the payments too, and pay flat-rate pricing on every card and 1% uncapped on every ACH transfer for the privilege. Plenty of businesses assume the two are welded together. They aren't. QuickBooks is your accounting system; the processor behind your invoices is a choice, and it's the choice that decides what percentage of every invoice you actually keep.
GivePayments is built to sit exactly there. Your customers pay invoices by card or bank transfer through our processing, on interchange-plus pricing with Level 2/3 enhanced data configured for the commercial cards B2B customers actually use, and the transaction data flows back into QuickBooks automatically over the API or through a CSV in QuickBooks' import format. Your bookkeeper sees the same reconciliation workflow. Your statement sees a different rate.
Two ways to sync
Full API integration, or QuickBooks-format CSV, your call
CSV import/export (file-based)
Export from the merchant portal in QuickBooks' import format and load it in one step, the workflow bookkeepers already know, and the one that covers QuickBooks Desktop.
Invoice & pay-by-link flow
Send a secure pay-by-link with your invoice; the customer pays by card or ACH on a hosted page, nothing for you to build, and the payment lands against the right invoice.
Virtual terminal for phone orders
Key in a card while the customer is on the phone, with Level 2/3 data captured on eligible commercial-card transactions, the keyed B2B use case GoPayment charges a flat 3.5% for.
The switch, in numbers
What changes when you swap the processor behind QuickBooks
| QuickBooks Payments (native) | GivePayments (integrated) | |
|---|---|---|
| Invoiced card payment | Flat ~2.99%* | Interchange-plus, published ranges |
| Commercial / purchasing cards | Same flat rate | Level 2/3 data → lower interchange |
| ACH bank transfer | 1% uncapped* | Flat or capped fee |
| Keyed / phone payment | ~3.5% flat* | Virtual terminal, interchange-plus |
| Reconciliation in QuickBooks | Native | API sync or QuickBooks-format CSV |
| Underwriting | Instant, automated review later | Before boarding, decision in writing |
*Intuit's published pay-as-you-go QuickBooks Online rates at the time of writing; plans differ and rates change, confirm with Intuit. Final GivePayments rate is set by underwriting. See our rate ranges
Getting started
From application to synced books
1
Apply
Business details, invoice volume, average ticket, and your card-versus-ACH mix, mention QuickBooks so we scope the sync from day one.
2
Underwriting
AI screen plus a human-written decision: your rate, any reserve, and Level 2/3 capture configured for your commercial-card mix.
3
Connect QuickBooks
Enable the API integration for automatic sync, or set up the QuickBooks-format CSV export, both are included, not add-ons.
4
Send invoices
Pay-by-links go out with your invoices; cards and ACH come in; QuickBooks reconciles the way it always has.
Built for the QuickBooks-first business
You shouldn't have to change systems to change rates
The businesses that feel this most are the ones where QuickBooks is the whole back office: distributors, wholesalers, contractors, agencies, professional services. Their invoices are big, their customers pay with company cards or bank transfers, and every basis point on that volume is real money. The integration exists so the switch is a pricing decision, not an operations project.
- Books stay in QuickBooks, Online or Desktop
- Level 2/3 savings on the commercial cards B2B actually sees
- Written underwriting decision before you board
FAQ
QuickBooks integration FAQ
Can I use a third-party payment processor with QuickBooks?
Yes. QuickBooks doesn't require you to process through QuickBooks Payments, any processor that writes its transaction data back into QuickBooks can handle the payments behind your invoices. GivePayments integrates two ways: a full API integration that syncs transactions, fees, refunds, and settlements automatically, and CSV import/export in QuickBooks' own import format for file-based reconciliation. Your invoices, chart of accounts, and reporting stay in QuickBooks; only the processing (and its cost) changes.
How does the GivePayments QuickBooks integration work?
Two modes, pick the one that fits your workflow. API integration: payment events, authorizations, settlements, fees, refunds, disputes, sync into QuickBooks automatically, so deposits match your books without retyping. CSV import/export: export transaction data from the merchant portal in QuickBooks' import format and load it in one step, the pattern many bookkeepers already use. Both work alongside the invoicing you already do; most merchants send a GivePayments pay-by-link on the invoice and let the data flow back.
Does this work with QuickBooks Desktop as well as QuickBooks Online?
Yes. The CSV import/export uses QuickBooks' file format, which covers Desktop workflows, and the API integration serves QuickBooks Online. If you're on Desktop and searching for QuickBooks Desktop credit card processing because Intuit's own rates or holds are the pain point, the file-based sync gives you the same books-stay-put switch.
Why switch from QuickBooks Payments if the integration is native?
Cost and stability. QuickBooks Payments is flat-rate aggregator processing, roughly 2.99% on invoiced cards and 1% uncapped on ACH, and a flat rate never passes through the Level 2/3 interchange discounts that commercial and purchasing cards qualify for. B2B card mix is exactly where those discounts are biggest. GivePayments runs interchange-plus with Level 2/3 enhanced data configured at boarding, plus flat or capped ACH, and because your account is underwritten before boarding, a large invoice doesn't trip an automated hold.
What is Level 2 and Level 3 processing and does QuickBooks support it?
Level 2/3 is enhanced transaction data, tax amount, customer code, line items, product codes, freight, that qualifies commercial, corporate, and government cards for lower interchange. QuickBooks Payments' flat-rate pricing doesn't pass those savings to you regardless of the data. GivePayments configures Level 2/3 capture on your account so eligible B2B transactions qualify for the discount, and the savings show up on your statement rather than the processor's.
Will my books still reconcile cleanly?
Yes, that's the entire design goal of the integration. Settlements, processing fees, refunds, and disputes flow into QuickBooks with the detail your bookkeeper needs to match deposits to invoices, via API sync or QuickBooks-format CSV. The reconciliation workflow you run today doesn't change; the line item for processing fees just gets smaller.
Your books, our processing, better math.
Tell us you run QuickBooks when you apply and we'll configure the sync and Level 2/3 capture from the start.