If you or your clients rely on QuickBooks Online Payments to get paid by bank transfer, there's a key update to be aware of. Intuit is adjusting the fee structure for ACH payments under the Accountant and QSP pricing plan, effective later this summer.
🔍 Key Takeaways
ACH flat-fee cap is increasing from $10 to $15 for payments over $1,500
1% fee still applies to payments under $1,500
No changes to card processing rates
This will be the only plan available to Accountants and QSPs going forward
💡 What’s Changing and Why It Matters
Until now, larger ACH payments had a flat-fee cap of $10. Starting July 1, the cap increases to $15. That means any ACH transaction over $1,500 will now cost $15 to process. For transactions under $1,500, the existing 1% fee still applies.
If your business handles larger customer payments via ACH, this could affect your transaction costs. While the change may not seem major, it’s worth taking a closer look — especially if you batch payments or invoice in high volumes.
📅 Effective Date
July 1, 2025 is when the updated pricing takes effect for all Accountant and QSP clients.
✅ What You Can Do Now
Review your current ACH usage. If your typical payment size exceeds $1,500, this new pricing may impact how you invoice or schedule customer payments. You might consider adjusting your billing cycle or switching high-value payments to other methods, depending on your situation.
As always, we’re here to help you make the smartest move.
❓ Frequently Asked Questions
What’s changing with ACH fees?
The cap on fees for ACH payments over $1,500 is increasing from $10 to $15 under the Accountant and QSP pricing plan.
Are card processing fees changing too?
No. Card payment rates remain the same as they are today.
Does this affect all QuickBooks Online users?
No. This change only applies to Accountant and QSP clients using QuickBooks Online Payments.
Will the 1% fee still apply to smaller payments?
Yes. The 1% fee continues for ACH transactions under $1,500.
Need Help Understanding the Impact?
As a certified QuickBooks Solution Provider, we work directly with businesses like yours to make sure you’re getting the most out of your QuickBooks setup and not overpaying for payments processing.
👉 Contact Peak Advisers to talk through your options or get help making adjustments.