GET PAID INSTANTLY ON OUTSTANDING INVOICES
Low Fees, more money
in your pocket
✓ Keep QuickBooks Online
✓ Customers still click “Pay now”
✓ Payments sync back to your books
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Accredited since 2009
24/7
Live support
20+ years
In business
Intuit
QuickBooks affiliate
How much is leaking out of your invoices?
Card-paid invoices per month
$50,000
Invoiced Sales
PER YEAR
$17,940
paid to QuickBooks per year at 2.99%
OVER THE NEXT 5 YEARS
$89,700
paid over the next 5 years if nothing changes
KEEP MORE PER YEAR
$6,000
you’d keep each year for every 1 point lower rate
Card and digital-wallet invoice rate of 2.99% per Intuit’s published QuickBooks Online rates (accurate as of 04/30/2026). Your savings depend on your approved pricing.
See what other QuickBooks users are saying....
Five ways QuickBooks Payments quietly drains your invoices.
Pulled from what business owners post on the QuickBooks Community forum and in software reviews.
2.99% on every card-paid invoice
The bigger the job, the bigger the bite
The rate is a flat percentage, so a $25,000 invoice costs you $747.50 just to get paid. Owners who bill large jobs feel it most.
Extra charges stack on top
Speed and protection cost more
Intuit lists 1.75% for instant deposits, dispute protection starting at 0.99%, and 3.5% for keyed-in cards.
Payments put on hold
Your money, stuck in review
Forum threads describe client payments held for weeks or months, and merchant accounts closed with funds still inside.
Hard to reach a human
Hold music when cash is on the line
Owners describe dozens of calls and open cases before anyone could explain a hold. QuickBooks sales lines run weekday hours only.
“I thought I was stuck”
The invoice button only knows one processor
QuickBooks Online’s built-in Pay now link runs through QuickBooks Payments, so most owners assume there’s no other option. There is.
“A tax advisor on G2 said a single $2,500 payment cost about $73 in fees and made them hesitant to use it for large invoices.” — Paraphrased from a G2 review of QuickBooks Payments
“A business owner wrote that a client paid three months earlier, and after 20+ calls and several cases the money still hadn’t arrived.” — Paraphrased from the QuickBooks Community forum, 2026
“Another owner said every payment their new business received had been placed on hold.” — Paraphrased from the QuickBooks Community forum, 2026
Same QuickBooks. Different processor.
Everything you like about invoicing in QuickBooks stays. The fee and the support change.
Feature
QuickBooks Payments
AGMS + QuickBooks Online
Card-paid invoices
2.99% flat on every invoice
Custom pricing based on your volume
Pay now link on invoices
Yes
Yes, through Bill Connect
Syncs payments to QuickBooks
Yes
Yes, automatically
Card and ACH
Yes (ACH at 1%)
Yes (ACH at 0.50%)
Reminders and late fees
Reminders
Reminders, late fees and a branded payment portal
Talk to a live person
Weekday business hours for sales
24/7 support line
QuickBooks figures from Intuit’s published rates page.
Grab the Free The Profit Protection Blueprint
- Fee audit worksheet to find your real 12-month cost
- Effective-rate math to compare processors
- 10-point checklist to keep QuickBooks and Pay Now links working
- Key questions on contracts, holds, and support
- Surcharge and dual-pricing basics
- Simple AGMS specialist review
Get Your Free Blueprint
Before your next payment, know what it’s really costing you.
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4.9 ★★★★★
Rated by 300+ business owners on Google
★★★★★ Google Review
“I’ve been using AGMS for my restaurant’s credit card processing, and I couldn’t be happier! The service is fast, reliable, and transparent with no hidden fees. Transactions are processed smoothly, and customer support is always helpful and responsive. Having a trustworthy payment processor has made a huge difference for my business. Highly recommend to any business owner looking for a hassle-free experience!”
Eva May
★★★★★ Google Review
“Working with Avant-Garde has been great! I have a point of contact that, if there are ever problems, I can contact directly and he is just wonderful, quick, and professional. If anything goes wrong, they are super quick to sort it out and come up with a resolution as fast as possible. It’s been a little more personal attention working with them, and that is nice, convenient, and above and beyond the others.”
Alison McMackin
★★★★★ Google Review
“Avant-Garde helped us with piecing together equipment for our unique needs that work with our retail POS. We have had a great experience with Avant-Garde, so naturally our owner made the decision to stick with them. Very happy with the level of service on setting up new equipment. They connected me to all third-party people when needed and helped interpret our needs and their needs to get us up and going.”
Ginger
★★★★★ Google Review
“Dan Leggett is a man of the highest honesty, integrity, and amazing customer service. AGMS provides solid solutions that always meet or exceed the needs of their clients. I have referred several of our clients to Dan over the years and all of them have experienced what I have come to expect — they are simply the best.”
Bernie Schwab
Questions owners ask before switching.
Absolutely! Surcharging and dual pricing have card-brand rules and some state limits. The blueprint covers the basics, and your specialist can walk you through what applies to you.