Bill Pay powered by Melio is included in your current QuickBooks Online subscription, at no additional cost.
Here’s a few important notes to consider when scheduling your payments:
- Standard payments made via ACH bank transfer are free.
- Credit card and debit card payments carry a 2.9% processing fee - which is billed separately by our Bill Pay partner Melio.
- FAST ACH is not available when paying by credit or debit card.
- When paying by credit or debit card, payments made before 12.00pm E.S.T will be delivered via ACH the same day.
A breakdown of our fees
| Payment method | Delivery method | Cost |
|---|---|---|
| ACH bank transfer | ACH bank transfer/ Single-use virtual card | Free |
| ACH bank transfer | Paper check | $1.50 per check |
| ACH bank transfer | FAST check | $20 fixed fee |
| ACH bank transfer | FAST ACH bank transfer | 1% capped to $30 |
| Credit or debit card | Check/ ACH bank transfer/ Single-use virtual card | 2.9% fee (but checks are free) |
| Credit or debit card | FAST check | 2.9% fee + $20 fixed fee |
NOTE: An important update for debit card payments
Since June 15th 2022, paying with a debit card incurs a 2.9% fee of the total payment amount. This increase ensures we can keep improving your experience and expanding our product offerings and services.
What about payments I already scheduled?
Any debit card payments scheduled before June 15th 2022 won’t be affected - there’s no fee on those payments.