QLink-Pay is a QuickBooks-approved app that automates your entire accounts receivable process — invoices send instantly, monthly statements go out automatically, smart reminders follow up by email and SMS, and payments sync back to QuickBooks automatically.

How much does QLink-Pay cost?

QLink-Pay has no monthly fee. You pay per transaction only — 3% plus $0.30 for credit cards and 1% capped at $20 for ACH bank transfers.

Does QLink-Pay work with QuickBooks?

Yes. QLink-Pay is an approved app on the QuickBooks App Store. It connects directly to QuickBooks Online and syncs all payments back automatically.

ACH vs Credit Card for QuickBooks: Which Costs Less? (2026 Comparison)

If you accept payments through QuickBooks, choosing between ACH bank transfers and credit cards can save your business thousands of dollars per year. This guide compares the real costs of both payment methods across QuickBooks Payments, QLink-Pay, and Stripe.

What Is ACH?

ACH (Automated Clearing House) is an electronic bank-to-bank transfer system. When a customer pays via ACH, the funds move directly from their bank account to yours. ACH payments typically cost significantly less than credit card payments, making them ideal for large B2B transactions.

ACH vs Credit Card: Key Differences

Factor	ACH	Credit Card
Processing time	3-5 business days	1-2 business days
Typical fee	0.5%-1%	2.5%-3.5%
Chargeback risk	Lower	Higher
Best for	Large B2B payments	Small/retail payments
Customer preference (B2B)	Preferred for large amounts	Preferred for small amounts

Fee Comparison Across Platforms

Platform	Credit Card Fee	ACH Fee	ACH Cap
QLink-Pay	3% + $0.30	1%	$20 per transaction
QuickBooks Payments	2.99%	1%	No cap
Stripe (direct)	2.9% + $0.30	0.8%	$5 cap (but $5K/month limit)

When to Use ACH vs Credit Card

Use ACH when: The payment is over $2,000, you are billing B2B customers, you want to minimize processing fees, and your customer is willing to wait 3-5 days for settlement.

Use credit card when: The payment is under $1,000, you need fast settlement, the customer prefers the convenience of card payment, or you are billing consumers rather than businesses.

Cost Savings Examples

Payment Amount	Credit Card Fee (3%)	ACH Fee (QLink-Pay)	You Save with ACH
$1,000	$30	$10	$20
$5,000	$150	$20	$130
$10,000	$300	$20	$280
$20,000	$600	$20	$580

Why the $20 ACH Cap Matters

Without a cap, ACH fees scale linearly with the payment amount. A $10,000 payment costs $100 in ACH fees through QuickBooks Payments (1%, no cap). With QLink-Pay, the same payment costs just $20 because of the $20 cap. For businesses processing large invoices — contractors, wholesalers, professional services — the cap saves hundreds or thousands per month.

How to Offer Both on QuickBooks Statements

QLink-Pay lets your customers choose between credit card and ACH at checkout. When they click the Pay Now link on their statement, they see both options and can select whichever they prefer. This flexibility leads to higher payment rates and lower fees for you.