QLink-Pay vs QuickBooks Payments: Which Is Better for Statements? (2026)

If you use QuickBooks Online and want to collect payments faster, you have two main options: QuickBooks Payments (Intuit's built-in processor) and QLink-Pay (a QuickBooks App Store app that adds payment links to statements). This guide compares both side by side so you can choose the right tool for your business.

Quick Summary: QLink-Pay vs QuickBooks Payments

QuickBooks Payments adds payment links to individual invoices when you email them one at a time. QLink-Pay adds payment links to customer statements that summarize all open invoices, supports bulk sending to hundreds of customers at once, and offers ACH bank transfers at 1% capped at $20 per transaction. QuickBooks Payments charges 1% ACH with no cap.

Feature	QuickBooks Payments	QLink-Pay
Payment links on invoices	Yes	Yes
Payment links on statements	No	Yes
Bulk send statements	No	Yes (unlimited)
Credit card fee	2.99%	3% + $0.30
ACH fee	1% (no cap)	1% ($20 cap)
Monthly fee	$0	$0
Auto-sync to QuickBooks	Yes (native)	Yes (automatic)
Clickable invoice links on statements	No	Yes
Automated monthly scheduling	No	Yes

The Key Difference: Statements vs Invoices

QuickBooks Payments is designed for invoice-level payments. You email a single invoice with a pay link, and the customer pays that one invoice. QLink-Pay is designed for statement-level payments. It generates a professional PDF statement that shows all open invoices for a customer, with a Pay Now button that lets them pay any or all invoices in a single transaction. For businesses that bill monthly and have customers with multiple outstanding invoices, this is the critical difference.

ACH Fee Comparison: The $20 Cap Advantage

Both platforms charge 1% for ACH bank transfers. The difference is that QLink-Pay caps ACH fees at $20 per transaction. QuickBooks Payments has no cap. Here is what that means in practice:

Payment Amount	QuickBooks Payments (1%)	QLink-Pay (1%, $20 cap)	You Save
$2,000	$20	$20	$0
$5,000	$50	$20	$30
$10,000	$100	$20	$80
$20,000	$200	$20	$180

When to Use QuickBooks Payments

QuickBooks Payments is the right choice if you only send individual invoices (not statements), all your payments are under $2,000, you do not need bulk sending or automated scheduling, and you want everything built into QuickBooks natively with no additional app to install.

When to Use QLink-Pay

QLink-Pay is the right choice if you send monthly statements to customers with multiple open invoices, you process large ACH payments over $2,000 and want the $20 cap, you need to bulk send statements to hundreds of customers at once, you want automated monthly statement scheduling, or you are a QuickBooks ProAdvisor managing multiple client companies.

Can You Use Both Together?

Yes. QLink-Pay does not replace QuickBooks Payments. You can continue using QuickBooks Payments for individual invoice payments while using QLink-Pay specifically for statement payments and bulk sending. Both sync payments back to QuickBooks automatically.

Try QLink-Pay free — no monthly fee, connect QuickBooks in 2 minutes.