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Intuit Quickbooks Payments vs Shopify Payments

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Pros
  • Transparent pricing
  • Synchronization
  • Easy online setup
  • Easy cancelation
Pros
  • Complimentary trial period
  • No hidden fees
  • Seamless integration capabilities
  • Save customer data
  • Live chat and virtual assistant
Cons
  • High processing fees
  • Lack of a POS system
  • Delays in funding
Cons
  • Transaction fees for third-party gateways
  • Lack of clarity in processing fees
  • Reported customer service concerns
Summary

Intuit, a trailblazer in the industry established in 1983, introduced Quickbooks as a payment processing solution that epitomizes financial innovation. Renowned for pioneering business solutions, Intuit made it possible to integrate Quickbooks payments with various other products to streamline business operations through credit card processing. This comprehensive service facilitates diverse payment methods, including major credit cards, ACH payments, and digital wallets like Apple Pay and Google Pay. They also partnered with Shopify for a full inclusive migration with their POS systems for in-person transactions. They provide a holistic business approach through their integration capabilities with over 750 popular third-party business applications. Merchants can opt for instant deposits with a 1.75% additional fee for various payment types or enjoy instant deposits with a QuickBooks checking account. The company's commitment to security shines through partnerships with leading PCI service providers, instilling user confidence. While users commend their services, considerations include potential drawbacks like higher processing fees and funding delays. Quickbooks Payments lack a personal BBB profile and are unified under Intuit. Although negative customer experiences exist because of delayed payments and slow customer service, QuickBooks Payments boasts a commendable G2 rating of 4.2 out of 5, highlighting user satisfaction. QuickBooks offers diverse options for sales inquiries and support, emphasizing their dedication to customer assistance.
 

Summary

Shopify Payments, a key player in the e-commerce industry, was founded as a comprehensive commerce platform aiming to empower businesses to start, grow, and scale effectively. Established in 2013, the company's headquarters are located in Ottawa, Canada. Shopify Payments is an integral part of the Shopify ecosystem and provides a fully integrated payment processing solution for businesses of all sizes. Shopify Payments enables users to accept and process transactions seamlessly, whether online, in-person, or via mobile devices. This payment solution goes beyond conventional transaction processing by providing a suite of services, including an integrated payment gateway, chargeback management, and various payment method acceptances. Furthermore, they cater to individual entrepreneurs, small businesses, and enterprises and support international transactions, allowing companies to thrive on a global scale. Shopify Payments stands out for their user-friendly approach, integration capabilities, global reach, and more. Customer experiences with Shopify Payments vary, with positive reviews highlighting the intuitive dashboard, seamless integrations, and the absence of transaction fees for their gateway. On the flip side, some users have raised concerns about fund holds, account shutdowns, and challenges in reaching customer support. As businesses seek reliable payment solutions, Shopify Payments continues to be a contender worth exploring for those aiming to enhance their online and in-person transactions.

Quick Stats
  • Transaction Speed : 24 hours
  • Customer Experience : Good
  • Gift Cards : Undisclosed
  • Real-Time Reports : Available
  • Transparent Pricing : Available
  • Pricing Model : Interchange-Plus
  • Trustpilot Score : N/R
  • BBB Rating : N/R
Quick Stats
  • Transaction Speed : 48 hours
  • Customer Experience : Fair
  • Money-Back Guarantee : False
  • Gift Cards : Available
  • Real-Time Reports : Available
  • Transparent Pricing : Unavailable
  • Pricing Model : Subscription pricing and interchange plus
  • Trustpilot Score : 1.6 out of 5
  • BBB Rating : A+
Selling Points
  • Chargeback protection
  • Comprehensive integration capabilities
  • Instant deposits
Selling Points
  • Integrated payment gateway
  • International payment acceptance
  • Shop pay installments
  • Chargeback assistance:
  • Reporting & analytics:
System Features
  • Billing & Invoicing
  • Electronic Receipts
  • Free Hardware
  • Mobile Card Reader
  • Multiple Payment Gateways
  • Recurring Payments & Billing
  • Reporting & Analytics
  • Virtual Terminal
System Features
  • Billing & Invoicing
  • Electronic Receipts
  • Free Hardware
  • Mobile Card Reader
  • Multiple Payment Gateways
  • Recurring Payments & Billing
  • Reporting & Analytics
  • Virtual Terminal
Data Security
  • EMV Compliant
  • Payment Fraud Protection
  • PCI Compliance
Data Security
  • EMV Compliant
  • Payment Fraud Protection
  • PCI Compliance
Pricing Options
  • Annual Subscription
  • Free Trial
  • Freemium
  • Monthly Subscription
  • Undisclosed
    One-Time License
Pricing Options
  • Undisclosed
    Annual Subscription
  • Free Trial
  • Freemium
  • Monthly Subscription
  • Undisclosed
    One-Time License
Third-Party Integrations
  • Processing Services
  • Accounting Software
  • POS
  • Undisclosed
    Productivity Software
Third-Party Integrations
  • Processing Services
  • Accounting Software
  • POS
  • Productivity Software
Operating System Compatabilities
  • Undisclosed
    Android
  • Cloud-Based
  • Mac
  • Undisclosed
    On-Site Installation
  • Windows
Operating System Compatabilities
  • Android
  • Cloud-Based
  • Mac
  • On-Site Installation
  • Windows
Supported Payment Options
  • ACH Processing
  • Cash Transactions
  • Credit Card Terminals
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Undisclosed
    NFC Payments
  • Online Payment Procesing
Supported Payment Options
  • ACH Processing
  • Undisclosed
    Cash Transactions
  • Credit Card Terminals
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • NFC Payments
  • Online Payment Procesing
Customer Support
  • Demos
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Tickets
Customer Support
  • Demos
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Tickets

Intuit QuickBooks Payments vs. Shopify Payments

When selecting a payment processing solution, businesses often narrow their options to industry leaders like QuickBooks Payments and Shopify Payments. Both platforms offer robust tools to streamline transactions and enhance financial management, yet they cater to different business needs. 

This comparison delves into their value-added benefits, usability, data security, and pricing structures to help you decide.

Value-added benefits

QuickBooks Payments integrates seamlessly with QuickBooks accounting software, enabling automatic payment recording, sales tracking, and real-time updates. They support diverse payment methods, including ACH transfers, credit cards, and digital wallets like Apple Pay, making them versatile for different transaction types. Additionally, QuickBooks offers instant deposit options for eligible accounts and recurring invoicing, streamlining financial operations.

Shopify Payments similarly offers a range of integrated features tailored to e-commerce. With their Shop Pay functionality, businesses can save customer data for faster checkout experiences, while Shop Pay Installments provide a buy-now-pay-later option to increase customer accessibility. Shopify also supports local and international transactions in over 130 currencies. Their all-in-one platform consolidates payment processing with inventory management, reporting, and order tracking.

Usability

QuickBooks Payments focuses on simplicity for businesses already using QuickBooks. The platform is easy to set up and integrates seamlessly with QuickBooks Online or Desktop. However, its usability is limited outside the QuickBooks ecosystem, which may require additional tools for point-of-sale (POS) transactions.

On the other hand, Shopify Payments is designed to ease e-commerce. It automatically integrates with Shopify stores, eliminating the need for third-party payment gateways. Businesses benefit from a unified dashboard to manage transactions, inventory, and analytics. Moreover, Shopify offers hardware solutions like card readers and POS systems, ensuring online and offline sales usability. However, some users report a steep learning curve and occasional support issues.

Level of data security

Both providers prioritize data security and compliance. QuickBooks Payments offers PCI compliance, fraud prevention tools, and security awareness training for businesses. Their partnership with SecurityMetrics ensures robust protection against data breaches, with features like vulnerability scanning and a $100,000 service warranty for enrolled users.

Shopify Payments also maintains high-security standards, including PCI compliance and SOC certifications. Their encrypted payment data and 3D Secure checkout add layers of protection. Shopify’s chargeback assistance and fraud detection tools provide additional safeguards, making them a reliable choice for businesses concerned with transaction security.

Pricing

QuickBooks Payments uses a transparent fee structure based on whether you choose QuickBooks Online or Desktop. For example, QuickBooks Online charges 2.4% + 25¢ for swiped transactions and 3.4% + 25¢ for invoiced or keyed-in payments. Desktop users can lower these fees by subscribing to a $20 monthly plan.

Shopify Payments is included with Shopify subscription plans, which range from $5/month for the Starter plan to $2,000/month for Shopify Plus. While Shopify’s credit card processing fees are not explicitly disclosed, transaction fees for third-party gateways range from 0.5% to 2%, depending on the subscription tier. Shopify’s lack of transparency regarding processing fees can make budgeting more challenging than QuickBooks.

Conclusion

QuickBooks Payments and Shopify Payments excel in their respective domains. QuickBooks is best for businesses needing seamless accounting integration and transparent pricing, while Shopify offers a robust solution for e-commerce with tools for global sales and inventory management. 

The right choice depends on your business model and priorities, making it crucial to align the platform with your specific operational needs.

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