Rates and assumptions

Competitor pages were checked on October 16, 2026. QuickBooks states that its rate table is accurate as of September 18, 2026. Last’s 3% card and 1% ACH figures are an owner-supplied illustration for this calculator. They are not a published merchant schedule, and other Last fees are left out unless a schedule adds them.

• QuickBooks Payments rates
• Stripe pricing
• Stripe Invoicing pricing
• Stripe local payment methods
• Square pricing

The homepage uses invoice payments, because that is where QuickBooks publishes a rate.

• Last, illustrated: cards 3.00% with no fixed fee and no cap. ACH 1.00% with no minimum and no cap. No separate invoicing fee in the estimate.
• QuickBooks, invoices, recurring payments, and quick requests: cards 2.99% with no fixed fee listed. ACH 1% with no minimum or cap listed. No separate online-checkout rate is used.
• Stripe domestic cards: 2.9% + $0.30. ACH direct debit, standard settlement: 0.8% capped at $5 per payment. The 1.2% two-day settlement rate is not used. Invoicing Starter adds 0.4% once per paid invoice. Invoicing Plus at 0.5% is not in the default.
• Square Free, online or invoice cards: 3.3% + $0.30. Invoice ACH: 1% with a $1 minimum and no cap. Square Plus and Square Premium are not included.

V is monthly payment volume. N is the payment count. a is the ACH share of volume, from 0 to 100. ACH volume is V times a. Card volume is the rest. ACH count is N times a. Card count is the rest. Every payment is treated as the same size. Counts may be fractional. Money is rounded half up to the cent. The effective rate is cost divided by V. At zero volume the rate is shown as a dash, and the calculator does not divide by zero.

A percentage applies to that rail’s volume. A fixed fee applies to that rail’s count. An ACH minimum or cap applies per payment, not once per month. If the uncapped percent sits between the minimum and the cap, the calculator uses the percent of volume. If the cap or minimum binds, it uses that amount times the fractional count. An invoicing fee is added once, and only on the invoice scenario. It is not added twice, and it is not added to ordinary online checkout.

The Customer column shows the illustrated card rate, 3%. The You column shows 0% for cards and 1% for ACH. The processing-fee row is the estimated amount the merchant pays: the ACH amount only. At the default $50,000 with 25% ACH, that is $12,500 of ACH volume and $125. The card fee is assigned to the customer only as a simplified picture of a fee that is actually recovered. It is not a promise that every card payment qualifies. Debit and prepaid cards are not treated as surcharged. Unrecovered card volume, fixed fees, and other schedule fees are not in this merchant total.

Dual pricing in the drawing is two posted prices, card and ACH. Surcharging in the drawing is a separate line on an eligible credit card. The checked row is part of the picture. It does not submit a choice. A business may not be able to use either option.

“Save up to” is the selected column’s estimated merchant fees minus Last’s modeled merchant fees. The result is never shown below $0. The year figure is that monthly amount times 12, if the same mix continues. Changing the competitor, including a rate you type in, changes the figure. A typed rate is not a Last rate.

Subscriptions, international cards, disputes, failed payments, instant bank-account checks, Stripe’s 1.2% two-day ACH settlement, and Square Plus or Premium. A dash is an unpublished amount, not a verified zero.