Affordable Alternative to QuickBooks Payments

If you’re looking for a QuickBooks Payments alternative that actually reduces your processing costs, EBizCharge is the best. It’s a payment processing solution that integrates natively with both QuickBooks Online and QuickBooks Desktop, so you can accept credit card, debit, and ACH payments without leaving your accounting software.

When a transaction is approved, EBizCharge marks the invoice as paid then updates your Accounts Receivable, and posts to the General Ledger automatically. No manual entry, no reconciliation at the end of the month. It also passes line-item details with every transaction to qualify your cards for the lowest interchange rates through Level 2 and Level 3 processing (which is where most businesses see the biggest savings compared to flat-rate processors). Your customers can also view and pay outstanding invoices online through a built-in payment portal that comes included at no extra cost, among other features.

Get an All-in-One Payment Solution

EBizCharge is an all-in-one payment gateway that plugs into your QuickBooks system, allowing you to easily accept payments in QuickBooks. Our secure credit card processing QuickBooks integration is an alternative to Intuit Merchant Services and offers the lowest merchant fees available.

EBizCharge for QuickBooks provides access to unlimited transaction history and customizable reports with over 45 different search criteria. Our secure payment gateway gives you the freedom to accept credit, debit, and ACH payments directly inside of QuickBooks from anywhere.

The EBizCharge payment gateway is designed to streamline the accounting process and make payment processing in QuickBooks as easy as possible.

• Posts payments automatically in Accounts Receivable and General Ledger
• Marks invoices as PAID upon transactions’ approval
• Emails invoices to your customers for immediate payment and syncs payments to QuickBooks
• Stores customer card information off-site on our PCI-compliant server

Our QuickBooks payment application allows you to accept payments in QuickBooks at any of these stages:

• Sales Orders
• Sales Receipts
• Invoices
• Received Payments
• Credits and Refunds

The EBizCharge payment gateway includes:

• $0 setup fees, $0 upgrade fees, $0 maintenance fees
• One simplified statement and one point of contact
• Fate rate processing options
• Next-day funding options
• A proactive chargeback management team
• Access to in-house customer support, available 24/7 and free of charge
• Advanced encryption and tokenization technology for maximum data security
• Compatibility with QuickBooks
• Electronic invoicing
• Customer payment portal
• Unlimited transactions/batch history for reporting purposes
• Powerful search functionality to run customer reports
• Ability to sort through transactions by category
• Immediate release of funds when issuing refunds
• Ability to assign users and manage access limits with ease
• Mobile app for iOS and Android devices

Why Switch from QuickBooks Payments?

QuickBooks Payments (formerly Intuit Merchant Services) works fine for basic transactions, but businesses that process any real volume tend to hit some common frustrations. The flat-rate pricing model means you pay the same percentage on every transaction regardless of card type, which adds up quickly when you’re running debit cards or corporate purchasing cards that would qualify for lower rates elsewhere.

There’s also limited support for Level 2 and Level 3 data processing, which is a big deal for B2B companies. Without that line-item detail passing through with each transaction, your interchange rates stay higher than they need to be. On top of that, reporting options are relatively basic, chargeback support is limited, and customer payment portals aren’t included by default.

For small businesses sending a handful of invoices per month, QuickBooks Payments may be enough. But once your transaction volume grows or you’re processing B2B payments with purchasing cards, the cost difference between a flat-rate model and an optimized interchange-plus model becomes hard to ignore. This is especially true for accountants and accounting firms managing payments across multiple clients in QuickBooks, where reconciliation time adds up fast.

QuickBooks Online vs. QuickBooks Desktop: Payment Processing Differences

One thing worth noting is that payment processing works a bit differently depending on whether you’re on QuickBooks Online or QuickBooks Desktop. QuickBooks Online has Intuit’s payment tools more tightly built in, while Desktop users have historically had more flexibility to connect third-party processors.

EBizCharge integrates with both. For QuickBooks Online users, EBizCharge syncs payments, invoices, and customer records automatically. For QuickBooks Desktop users, the integration connects directly to your local instance and processes payments without needing to leave the QuickBooks interface. In both cases, payments post to your Accounts Receivable and General Ledger automatically, and your customers can pay through the same online portal regardless of which version you’re running.

How EBizCharge Compares to QuickBooks Payments

For businesses processing B2B transactions, the Level 2 and Level 3 optimization is where the biggest cost savings show up. QuickBooks Payments processes every card at the same flat rate, while EBizCharge automatically sends the line-item data needed to qualify for the lowest interchange rates on corporate and purchasing cards.

Lower Your QuickBooks Fees

The EBizCharge payment gateway for QuickBooks is built to provide Level 3 pricing to guarantee the lowest processing fees for your business.

Our affordable alternative to QuickBooks Payments fees is designed to pass more information through the point of sale, which helps qualify your credit cards at the lowest interchange rates.

Many merchant service providers don’t offer Level 3 pricing, which increases interchange rates by as much as 1.5% per transaction. Century Business Solutions provides Level 3 pricing to qualify credit cards at the lowest possible interchange rates and decrease fees for your business.

Send Line-Item Detail Automatically

There are nearly twenty fields of line-item detail that must be send along with each transaction. These require details such as invoice number, PO number, item commodity code, freight amount, unit of measure, and many others. This can be a difficult and time-consuming process, as most software interfaces require businesses to enter these line-item details manually.

In order to help secure the lowest processing fees, line-item data and invoice information already stored in your QuickBooks system is automatically sent to our proprietary payment gateway. EBizCharge then uses this information to qualify your cards at the lowest possible interchange rates and guarantee the most affordable QuickBooks credit card processing.

Ensure Advanced Payment Security

Without proper credit card security, a data breach could potentially destroy your business.

In fact, the average data breach can cost a business nearly $4 million in losses, according to IBM Security.

Our EBizCharge payment gateway provides several layers of protective armor to safeguard your data and shield against a potential breach.

In order to provide the highest level of protection, EBizCharge utilizes advanced data encryption and tokenization technology to secure all sensitive credit card data within your QuickBooks system.

Tokenization technology replaces credit card information with a unique token, and the original credit card data is no longer used for future transactions. Tokenization makes it impossible to hack or decipher your credit card data. This prevents card information from being stored in its original format, drastically reducing any legal and financial liabilities for your business. Tokenization ensures that all of your sensitive information is securely protected within your QuickBooks system.

In addition, our QuickBooks payment solutions is fully PCI compliant to help protect your business and safeguard valuable revenue.

EBizCharge uses a cloud-based payment gateway to house sensitive credit card information offsite on PCI-compliant servers for maximum transaction security. Our secure payment services adhere to all PCI specifications set by the Payment Card Industry to reduce security risks for businesses that process or transmit credit card information.

Simple Returns, Voids and Credit

Our QuickBooks payment solution provides fast and efficient processing of credits, voids, and returns, and releases funds immediately. Simply login to EBizCharge and select one of multiple charges to void or refund.

In-House Customer Support

EBizCharge is backed by complimentary, 24/7 customer support, so you never have to wait for service.

With EBizCharge, there are no call centers and no long wait times. We have live representatives ready to assist and resolve your inquiries at all times, ensuring that you can always accept payments in QuickBooks with ease.

In addition, our QuickBooks credit card processing applications are developed and maintained by in-house software developers to provide you with the most up-to-date integrations possible.

Make it Easy for Your Customers to Pay Any Bill Online

Are you wasting valuable hours contacting your customers and coordinating a specific time and date to settle outstanding invoices?

With the EBizCharge Connect customer payment portal, you no longer have to spend time collecting payments. Your customers can view outstanding invoices and process payments online at their convenience.

EBizCharge Connect gives your customers the freedom to make full or partial payments on single or multiple invoices. Customers simply login, review their invoices, and submit payments securely and remotely from anywhere.

Best of all, EBizCharge Connect integrates seamlessly with QuickBooks. Paid invoices are synced to your QuickBooks accounting system, posting payments to your invoices, Accounts Receivable and General Ledger.

Best Payment Processors That Integrate with QuickBooks

There are several payment processors that integrate with QuickBooks, and the right choice depends on your transaction volume, business type, and what features matter most to you.

• EBizCharge integrates natively with both QuickBooks Online and Desktop and is geared toward B2B companies and accounting firms that process corporate or purchasing cards.
• QuickBooks Payments is the default option and works well for basic needs.
• Authorize.Net is a popular standalone gateway that connects to QuickBooks through third-party middleware but requires separate configuration.
• Stripe and Square both offer QuickBooks integrations primarily aimed at eCommerce and retail.

The key differentiator for most B2B businesses comes down to whether the processor can pass Level 2 and Level 3 data automatically. If you’re processing corporate cards, purchasing cards, or government cards, that capability alone can save you more per year than any other single feature.

Get Affordable QuickBooks Payment Services

Our EBizCharge payment gateway is completely complimentary, so you can get an affordable alternative to QuickBooks Payments fees without having to worry about any additional costs.

EBizCharge integrates seamlessly with your existing software, allowing you to accept payments in QuickBooks with ease. Our payment application automatically sends line-item details to our proprietary payment gateway to help you achieve the lowest QuickBooks merchant fees for your business.

EBizCharge stores all sensitive data off-site on PCI compliant servers, and utilizes advanced data encryption and tokenization technology to fully protect your credit card information.

In addition, EBizCharge comes with a complimentary customer payment portal that allows your customers to securely pay invoices online from anywhere.

Frequently Asked Questions

What are the best alternatives to QuickBooks Payments?

The most common alternatives include EBizCharge, Authorize.Net, Stripe, and Square. For B2B businesses that need lower interchange rates and automatic AR posting inside QuickBooks, EBizCharge is designed specifically for that workflow.

Does EBizCharge work with QuickBooks Online?

Yes. EBizCharge integrates with both QuickBooks Online and QuickBooks Desktop. Payments, invoices, and customer records sync automatically in both versions.

How much can I save by switching from QuickBooks Payments?

Savings depend on your transaction volume and card mix, but B2B businesses that process corporate or purchasing cards often see significant reductions by moving from flat-rate pricing to interchange-plus with Level 2 and Level 3 optimization. Many merchants save hundreds to thousands per year.

What is Level 3 processing and why does it matter?

Level 3 processing sends detailed line-item data (invoice number, tax amount, item descriptions) along with each transaction. This qualifies corporate and purchasing cards for lower interchange rates. Most flat-rate processors like QuickBooks Payments don’t support it.

Can my customers pay invoices online with EBizCharge?

Yes. EBizCharge includes a complimentary customer payment portal where your customers can view open invoices and pay by credit card, debit card, or ACH from any device. Payments sync automatically to QuickBooks.

Is EBizCharge PCI compliant?

Yes. EBizCharge stores all sensitive card data offsite on PCI-compliant servers and uses encryption and tokenization to protect payment information. No card data is stored inside your QuickBooks system.

Is EBizCharge a good fit for accountants managing payments in QuickBooks?

Yes. EBizCharge auto-syncs payments to QuickBooks, marks invoices as paid on approval, and includes a customer payment portal so clients can pay on their own time. For accountants managing AR across multiple QuickBooks company files, it simplifies reconciliation and eliminates manual payment matching.