QuickBooks GoPayment App + Mobile Reader Review

Pros

• Easy to use
• Predictable flat-rate pricing
• Supports PayPal payments
• Inexpensive hardware
• No setup or application fee

Cons

• Inconsistent customer support
• No scanner or receipt printer support
• Numerous public complaints

What Is The QuickBooks GoPayment App & Card Reader?

The QuickBooks GoPayment app and its associated card reader comprise a mobile POS system for businesses that use QuickBooks Payments for payment processing. Typically, these businesses use QuickBooks Online or QuickBooks Desktop for accounting.

QuickBooks GoPayment is an easy and convenient way for existing QuickBooks users to take occasional payments. However, non-QuickBooks users may be better served by checking out the best credit card readers for small businesses for a more full-featured mobile payments solution.

GoPayment App Features & Services

When you use QuickBooks GoPayment for payment processing, you get a full merchant account. You can also order a QuickBooks credit card reader when you sign up.

The QB GoPayment app and card reader come in handy when you need to take occasional payments on the go. However, its feature set is limited, and without the ability to connect to barcode scanners and other peripherals, we can’t give GoPayment high marks in this category.

Let’s highlight some of the perks of QuickBooks GoPayment and its associated card reader:

• Easy QuickBooks Online Integration: When you use QuickBooks GoPayment with QuickBooks Online, all of your GoPayment transactions sync to QuickBooks Online automatically.
• Merchant Service Center: When you sign into the web portal through a browser, you can take a fully secure payment from your customers right at your virtual terminal.
• ACH & eCheck Payments: GoPayment allows you to process ACH and eCheck payments. QuickBooks Online users can process eChecks in the Merchant Service Center, then manually record them in QuickBooks Online.
• Apply Discounts: You can customize a discount for your customers by percentage or dollar amount, which is a nice touch.
• Item Library: The library is, admittedly, pretty basic. You can create items, add descriptions, set the price, add a photo, and set a category. Also, you can set a list of favorites. There are no item counts, however.
• Item Sync: You can sync your item list to other devices and users on the same account. Only admins and managers, however, can add and delete items and categories or sync them to other devices.
• SMS Or Email Receipts: Receipts sent by email are customizable and can include your logo and contact information. You can also automatically send a copy of every receipt to an email address as a backup.
• QuickBooks Checking Account: After you sign up for a payment account, you can apply for a QuickBooks Checking (formerly QuickBooks Cash) account. You’ll receive a debit card that can be used just like any other card. With this account, you can also collect invoice payments, pay your business expenses, and set up “envelopes” to categorize and save funds.

All in all, here’s what you’ll get with QuickBooks Online’s cheapest plan, the $30/month Simple Start plan:

• Unlimited invoices
• Unlimited estimates
• Expense tracking
• Live bank feeds
• Reports
• Mileage tracking
• Integrations with 650+ apps
• 1099 tax support
• One user

QuickBooks Mobile Credit Card Reader

The QuickBooks Card Reader is a Bluetooth-enabled device that accepts contactless/NFC payments (including Apple Pay, Google Pay, and Samsung Pay) as well as EMV chip cards. This device is compatible with iPhones, iPads, Android phones, and Android tablets. It doesn’t take magstripe payments, but this isn’t much of a problem these days.

The QuickBooks Card Reader can be used with a power stand, which is available for $39 (or $30 if you buy the reader + stand bundle).

The card reader is appropriately priced and does what mobile merchants need it to do. However, GoPayment’s lack of advanced functionality means that non-QB users have better mobile POS options when it comes to features.

Ease Of Use

Users of QuickBooks GoPayment and its associated card reader have quite positive things to say about the user-friendliness of the device and app. In particular, users appreciate how easy it is to set up the integration with QuickBooks accounting and automatically export all pertinent data, relieving you of the need to do any manual data entry.

Though the card reader and mobile app won’t provide enough feature heft for all users, the system is supremely easy to use, even if you lack technical expertise. We’re giving QB GoPayment excellent scores in this category.

GoPayment Fees & Rates

QuickBooks’s card reader is reasonably priced, and GoPayments’s processing rates do not include a fixed fee component, which benefits small-ticket merchants. For these reasons, QB GoPayment gets high scores in this category.

The card reader itself costs $49, and you can get the card reader bundled with a power stand for $79. Buy the power stand on its own, and it will cost $39.

If you use the GoPayment app and the QB card reader in conjunction with QuickBooks Online or QuickBooks Money (which we’ll discuss in a moment), you’ll pay the following processing rates:

• 2.5% per swiped/dipped transaction
• 2.99% per online/invoiced transaction
• 3.5% per keyed-in transaction
• 1% (max $10) per ACH transaction

Note that while this pricing scheme features percentage rates that are on the high side, there is no fixed fee component, which particularly benefits sellers with small average ticket sizes.

You can now use GoPayment if you sign up for QuickBooks Money, which does not charge a monthly fee and does not include any accounting features but gives you access to payment processing and a business bank account. However, one of the main value propositions of GoPayment is its seamless integration with QB’s accounting software.

Here are the details regarding QuickBooks Online’s subscription plans:

Simple Start Plan

• $30/month ($15/month for the first 3 months)
• All the features listed in the Features & Services section

Essentials Plan

• $60/month ($30/month for the first 3 months)
• All the features of the Simple Start plan
• Accounts payable
• Time tracking
• Three users

Plus Plan

• $90/month ($45/month for the first 3 months)
• All the features of the Essentials plan
• Inventory
• Project management
• Class tracking
• Five users

Advanced Plan

• $200/month ($100/month for the first 3 months)
• All the features of the Plus plan
• A Fathom subscription for advanced reporting and analytics
• Custom user permissions
• Automated workflows
• A dedicated customer success manager
• Priority Care
• On-demand online QuickBooks training
• Exclusive premium apps
• More than 5 users

Other Fees

Here are the extra fees you might encounter, but they will hopefully be few and far between.

• Chargebacks: $25 plus the full chargeback amount
• ACH Bank Reject Charge: $25
• Returned Check Fee: $10

Note that you can use GoPayment with a QuickBooks Desktop subscription as well. However, the per-transaction rates are completely different if you take payments with a QB Desktop subscription. Our QuickBooks Payments review contains these pricing details.

Finally, be aware that Intuit/QuickBooks will assign you a maximum monthly processing limit and possibly a per-transaction limit. To keep your account open, be careful not to go beyond those limits. You can request increases to your limits, but they are issued at QuickBooks’ discretion and may even require you to set up a rolling reserve fund. With QuickBooks, you can log into the web portal and check your processing limit.

Customer Service & Technical Support

QuickBooks Payments customers have access to live customer support Monday-Friday 6 AM to 6 PM PT and Saturday 6 AM to 3 PM PT — if you’re in a pinch in the evening and need to speak to a representative, you may be facing some frustration.

Due to limited live support availability, a knowledgebase that is fairly light when it comes to GoPayment-specific content and mixed customer service reviews from users, GoPayment gets middling scores in this category.

QuickBooks Card Reader & Mobile App Reviews

User reviews of the QB GoPayment app are actually pretty solid, so we’re giving the app a strong score in this category.

Before I dig into the positive and negative reviews specifically, let’s take a look at some of the major consumer review sites that have reviews specifically for the QuickBooks GoPayment app and related services:

• Apple App Store: 4.8/5 stars
• Google Play: 4.0/5 stars
• G2: 3.9/5 stars
• Capterra: 4/5 stars

Final Verdict On QuickBooks’s Mobile Payment App & Card Reader

The seamless integration with the QuickBooks business software ecosystem makes it easy for you to keep track of your funds and expenses, which is a vital part of doing business. In tandem with the GoPayment app, you have what you need to accept credit cards on the go.

What’s more, you no longer need a paid QuickBooks accounting subscription to use GoPayment now that QB’s free QuickBooks Money plan exists.

QuickBooks is improving in the payment space overall, which is a good sign for current and future users. Also, because you’ll have a full merchant account with QuickBooks, you can expect more account stability than with third-party processors like PayPal and Square.

However, as a merchant, you should pay careful attention to your given processing limits and do your best to avoid any potentially suspicious behavior to maximize your account’s stability.

The QuickBooks platform provides merchants with a full merchant account and features tailored for small and growing businesses, and the GoPayment app is a very capable mobile sales tool. However, if you’re a) not a current QuickBooks user and b) you don’t need the full range of features provided by QuickBooks Online, QuickBooks GoPayment is not the strongest standalone mobile POS.

We’re giving GoPayment a 3.7/5 rating. Despite its feature deficiencies (such as its lack of ability to connect to a barcode scanner or receipt printer), its processing rates are quite competitive for sellers with small average ticket sizes, and the easy QB accounting integration makes this mPOS handy for mobile sellers who like QB’s accounting software.

Other sellers may wish to investigate the best mobile POS systems for a more robust mobile sales option.

FAQs About QuickBooks GoPayment

POS Hardware & Mobile Credit Card Reader Rating Methodology

We spend hours researching and evaluating each POS hardware and mobile payments device that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our product ratings.

When rating POS hardware (which might include registers, mobile card readers, and other similar devices), we use a 38-point rubric that looks at pricing, ease of use, features, customer service, and user reviews. We weigh each section differently to calculate the total star rating.

• Pricing: 40% of the total star rating
• Ease of Use: 20% of the total star rating
• Features: 25% of the total star rating
• Customer Service: 10% of the total star rating
• User Reviews: 5% of the total star rating

Each section is further broken down into granular, weighted subsections, in which we look at specific attributes, like whether reduced fees are available for multiple terminals, which payment processing options are available, and how well the hardware integrates with POS or payment processing software apps. We’re also paying careful attention to hardware’s relative cost, any associated fees, and whether financing is available, among other things.

Learn more about how we rate POS hardware.

The Merchant Maverick Seal of Approval 🏆

Intuit GoPayment	Visit Site

After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Intuit GoPayment for yourself.

The Merchant Maverick Seal of Approval 🏆

Intuit GoPayment	Visit Site

After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Intuit GoPayment for yourself.

Sources