Intuit GoPayment (QuickBooks) Review

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Date Established
2009
Location
Mountain View, CA

Pros

  • QuickBooks Online integration
  • Predictable flat-rate pricing
  • Solid feature set
  • Affordable chip card readers
  • Free sub-user accounts

Cons

  • Inconsistent customer support
  • High per-transaction fees
  • Buggy app
  • Unsuitable for new businesses and individuals

Overview

If we’re being really technical, QuickBooks GoPayment (formerly Intuit GoPayment) technically falls under the auspices of QuickBooks Payments, which we’ve already reviewed. So did we really need a separate, standalone GoPayment review?

Yes. The mobile payments industry is changing quickly. Square (read our review) has become way more than just a mobile provider, while other options are breaking into the field and others are disappearing. Standalone mobile apps with pay-as-you-go rates are becoming something of a rarity as big processors look to roll out their own custom solutions as part of a payments ecosystem. GoPayment fits that bill — a solution that can be used in tandem with the rest of Intuit’s offerings.

However, GoPayment still functions as a standalone too. You don’t need to be a QuickBooks user (though it certainly makes GoPayment more attractive), and you don’t need to use the rest of the QB Payments services. And that makes it interesting — to me, at least. But does that make it a good option? And who is it a good option for?

Unlike PayPal Here or Square, you will have to open a merchant account through Intuit in order to use GoPayment. This adds stability to the service — decreasing holds and freezes, in theory — and can still give you access to the full suite of services QuickBooks Payments provides. However, it does mean that brand new businesses and micro-merchants might find it a bit more difficult to get approved for an account than they would with Square.

You can get lower processing rates with Intuit’s pay-as-you-go plan than you’ll find at Square, except Inuit will charge you a $0.25 per-transaction fee. That makes small transactions more expensive to process via GoPayment. And honestly, the pricing is the single greatest mark against Intuit’s mobile processing app, in my opinion.

If you are interested in seamless QuickBooks integration or a full-fledged merchant account with mobile processing built in, then GoPayment will probably suit you well. Like QuickBooks Payments on the whole, the app doesn’t have a lot of bells and whistles, but it does have everything you need with minimal fuss and the stability that comes only from a merchant account. Not only that, but Intuit offers a high level of transparency, with no hidden fees, tricky contracts, or other nonsense that can cause headaches for merchants.  

For these reasons,  Intuit GoPayment has earned a very respectable 4 stars and a general recommendation.

But that recommendation comes with a caveat — the pricing. GoPayment isn’t suitable for merchants with very small tickets, as you’ll pay way more than you need to. If you process mostly very small transaction (under $50 or even under $75), you should probably look at Square, which has everything Intuit offers minus a dedicated merchant account. But you’ll find the pricing far more to your wallet’s liking.

Read on for the full review, and don’t forget to comment with your insights!

Products & Services

Using GoPayment means you get a bona fide merchant account from Intuit. If you’re a QuickBooks user, it means you can take advantage of the broader QB Payments suite, too, including taking card and ACH payments from within QuickBooks Online and sending invoices. If you’re just using GoPayment as a standalone, here’s what you get with the free mobile app:

  • Easy QuickBooks Online integration: One of the benefits of brand loyalty: exceptional compatibility. With the Bluetooth EMV reader and the app, all your transactions sync to QuickBooks Online automatically.
  • Web portal: Sign in through a browser to pull reports and make modifications to your account and settings as well as access other QuickBooks Payments features.
  • Camera scanning: If you don’t have a reader, or if for whatever reason it’s not working, you can use your device’s camera to scan the card. This processes as a keyed transaction, but it saves you the trouble of having to type anything in manually.
  • Record cash and checks: You can’t deposit checks, but you can record the transactions for seamless bookkeeping.
  • Add up to 50 users: Having many users on the same account who can use the service in unison could make a big impact for your business. Not all providers allow this, but Intuit will allow you to add up to 50 users with an assortment of user permissions.
  • Tax and tip: Collect sales tax and allow your customers to leave a tip. Customization for tipping is limited, and tax management is basic at best, but they both work.
  • Apply discounts: The discount feature is customizable by percentage or dollar amount, which is a nice touch.
  • Item library: The library is pretty basic, but you can create items, add descriptions, set the price, add a photo, and set a category. In addition, you can set a list of favorites. There are no item counts, however.
  • Item sync: Sync items across devices so that every user always has the most up-to-date inventory listings.
  • 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.

That’s about it for the app. It’s not the most full-featured option, and some of GoPayment’s capabilities are better managed from the web browser. GoPayment doesn’t have any in-app reporting features beyond transaction history. Through the web portal, you can pull reports for transactions, deposits, fees, and sales tax. That’s not a lot of reporting abilities when many providers can also give you some fairly useful inventory analysis (even without item counts).

Intuit GoPayment Hardware

screenshot of QB GoPayment's old card reader

Intuit first released a headphone jack reader that supports EMV and magstripe transactions, which you can still see on the website (at the time of writing this, at least). However, QuickBooks has eliminated that device in favor of a new Bluetooth device launched in November 2017. So I’m a bit confused at why there haven’t been any new photos. (Though I did find the old headphone jack reader to be a cute little device.)

The retail price for the new “chip and magstripe reader” is $19 but it’s being offered free of charge to new GoPayment merchants. There’s no NFC support, but it does support both magstripe and EMV transactions.

Intuit sent me one of these readers to test out, so the photos below are my own.

Top view of the EMV-compliant Bluetooth reader

Chip card dip slot and magstripe slot

There’s no dock for this Chip and Magstripe reader, and the device is a little bit slick in the hand, but I don’t dislike it. It’s similar to Square’s Contactless + Chip reader in shape, but a little smaller and a little thicker. I actually prefer the way it feels in the hand to Square’s device, which is too slim and just a bit too big.

Intuit also says it plans to release an “all-in-one” reader with support for NFC payments (Apple Pay, Android Pay, etc.). That device should be priced right around the $50 mark, which is a very reasonable price for an all-in-one reader. (Square’s Contactless + Chip reader, which is Bluetooth enabled with NFC and EMV but no magstripe support, sells for $50 as well.) That reader should be compatible with just about any platform running QuickBooks, which is a convenient way to roll out EMV support.

Also take note: GoPayment isn’t meant for a countertop retail setup. You won’t get cash drawer or receipt printer support. For that, Intuit would probably prefer that you use its QuickBooks POS solution, which connects with QuickBooks Payments and syncs with QuickBooks Desktop (no online support here). Should you use QB POS instead? Well, that’s up to you. Check out our QuickBooks POS review for the details.

Fees & Rates

Intuit is great about disclosing its pricing for GoPayment (and the rest of its services). If you use any of Intuit’s other services, GoPayment’s pricing is just slightly different. And while the percentage rates are actually lower than Square, there’s a rather hefty per-transaction fee that makes GoPayment less than ideal for low-ticket merchants (less than $50). That’s the most disappointing part of GoPayment for me, and it could be a deal-breaker for some merchants.

Intuit offers a choice of two plans — one with no monthly fee and higher rates, and the other with a monthly fee but lower processing rates. I honestly wish one of these options included no per-transaction fee, as it would make the pricing a LOT more competitive for merchants with a small average transaction.

Anyway. Here’s what you can expect to pay:

Screenshot: GoPayment Pricing details

Pay-As-You-Go

  • No monthly fee
  • 2.4% + $0.25 per swiped/dipped transaction
  • 3.4% + $0.25 per keyed transaction

Monthly Plan

  • $20 monthly fee
  • 1.6% + $0.25 per swiped/dipped transaction
  • 3.2% + $0.25 per keyed transaction

Which Inuit GoPayment Plan Is The Best Value For You?

With the monthly fee plan, you get slightly lower rates in exchange for a monthly fee. With this option you can:

  • Save 0.8% on swiped transactions
  • Save 0.2% on keyed-in transactions

…if you’re willing to pay $20 per month extra, that is. As you can see, your savings is much higher for swiped transactions than keyed-in. But for the sake of this example, let’s assume you are swiping all transactions. This means that, for your savings to equal $20 (i.e., the break-even point), you would need to process $2,500 per month. (2,500 * 0.008 = 20) And that is just to break even, and it’s assuming you process only swiped transactions. To be safe, you should only use the monthly fee option if you are absolutely positive you will be processing well over $3,000 each and every month. If you’re not sure, just stick with the pay-as-you-go option.

But here’s the other thing: That $0.25 per transaction is going to add up quickly and drive up your costs.

Let’s do a really quick pricing comparison. Let’s assume a volume of $5,000 per month, and average ticket sizes of $25 and $75:

Scenario 1:
Free plan,
$25/avg ticket
$5,000/month volume
Scenario 2:
Monthly plan,
$25/avg ticket
$5,000/month volume
Scenario 3:
Free plan,
$75/avg ticket
$5,000/month volume
Scenario 4:
Monthly plan,
$75/avg ticket
$5,000/month volume
Percentage Fees$120$80$120$80
Per-Transaction Fees$50$50$16.67$16.67
Monthly FeeNone$20None$20
Total Monthly
Processing Fees
$170$150$136.67$116.67

For reference, Square’s fees at $5,000/month would be $137.50. So if your average transaction is under $25, you should look elsewhere for a processor because you will pay way more than you need to. If your average transaction is somewhere between $25 and $75, it’s really at your discretion. (Ask yourself: Do you want to pay more for processing when there are equally or more competitive solutions?) Above $75 per transaction and there’s potential to save money because of the lower percentage rates (compared to Square). The larger your transaction is, the more you will save, in fact.

Other Fees

If you opt-in for PCI compliance service with the pay-as-you-go option, you’ll be charged $9.95 per month. You should also be aware of the fees at the bottom of Inuit’s Standard Pricing Schedule (“legacy” customers may have different rates). Here are the extra fees you might encounter:

  • Chargebacks: $25
  • ACH bank reject charge: $25
  • Returned check fee: $10

The only one you’re actually likely to deal with as a GoPayment user is the chargeback fee, which is a little bit steep for mobile processors (which are usually in the range of $15-20). However, chargebacks for in-person transactions are pretty rare.

Finally, be aware that Intuit 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 Intuit’s discretion and may even require you to set up a reserve fund. Still, I feel this is better than what you get from Square, which imposes limits but doesn’t disclose what they are. With QuickBooks Payments, including GoPayment, you can log into the web portal and check your processing limit.

Contract Length & Early Termination Fee

You won’t pay any early termination fees with Intuit GoPayment, typically speaking.

With the pay-as-you-go option, you can simply stop using your account without any penalty. If you use the higher volume option, then make sure to cancel your account or change over to the pay-as-you-go option if you plan to take time off from processing. Otherwise, you’ll still have the monthly fee taken from your account.

However, it’s worth mentioning that Intuit only allows you to switch between the pay-as-you-go and monthly plans once in a 12-month period, so if you expect to be inactive for a few months at different points in the year, play it smart and choose the pay-as-you-go plan, or find another processor.

You should also know that to cancel your account, you’ll have to mail or fax a formal written request for cancellation. This is pretty standard in the merchant account trade, but it’s not what users of services like Square are used to.

Sales & Advertising Transparency

Intuit, on the whole, has made great progress in the transparency category. You can find the merchant agreement and pricing schedule pretty easily. The important information appears in the main advertising copy, and additional disclosures are not difficult to find. I don’t see any consumer complaints about hidden fees or problems with contracts, either.

Just make sure you read the Intuit Merchant Agreement and the standard pricing schedule. There’s no longer a separate GoPayment agreement, which makes sense if all of these different elements are lumped under QuickBooks Payments. Don’t sign up for anything until you’ve read the whole agreement — I’ve said it before and I will continue to say it: You need to know what you’re agreeing to before you agree to it. So read the agreement. I’ll give Intuit points for how easy it is to understand both documents.

Not only that, but the Quickbooks blog covers a wide range of topics that small business owners need. The content is great — and exactly what I like to see. However, I haven’t been impressed by the limited payments-related blog topics. Intuit is such a big company that covers so many different services, however, it’s easy to see why that might take a back seat to other types of content.

Customer Service & Technical Support

While I’ve heard conflicting reports regarding quality of support, I can at least say that Intuit’s service is very streamlined. The FAQ is enough to answer most basic questions. However, you might have to dig a little to find the answer to a very specific and more obscure question.

Live chat and phone support are also available depending on your issue. My experience with live chat was a bit spotty, but it should be sufficient for quick, general questions. You probably want to get on the phone for advanced or complex queries. For phone support, here’s the information you need:

  • Phone Number: (800) 558-9558
  • Support Hours: Mon-Fri 5 AM to 7 PM PT, Sat 6 AM to 4 PM PT

As a reviewer, however, it’s difficult for me to ascertain the quality of customer service when it comes to the complex, account-specific issues that really set one processor apart from another. We rely on your reviews for that information, so if you have an experience with Intuit GoPayment, good or bad, please leave a comment!

Have you worked with Intuit GoPayment? Have a complaint, rip-off report, or even a positive testimonial? Please leave us your review. Don’t forget to read the user review and comment policy.

Negative Reviews & Complaints

While GoPayment doesn’t have its own BBB page separate from Intuit’s profile, you can find a smattering of complaints directed at GoPayment there. Just be prepared to dig a little bit.

There are only 13 complaints about GoPayment on Ripoff Report, and the most recent is from 2016. There’s another report from 2014 for Intuit Merchant Services (the previous name for Intuit’s non-mobile merchant account option). There is nothing for “Intuit Payments” or “QuickBooks Payments.”

Apart from a few other review sites, the most helpful information comes from the app store reviews. The GoPayment is rated 4.3 stars on about 100 reviews for the most recent version. In Google Play, the app has 4 stars on 6,000+ reviews. In the Amazon store, the app has 3.4 stars on 172 ratings, many of which are quite old.

Intuit occasionally responds to reviews — mostly the ones that relate to glitches in the app — and seems good about fixing any problems in a timely fashion. I’d rather see no reports of technical glitches, but that’s just unrealistic in the mobile space, especially on the Android side of things. It’s still frustrating for merchants, though.

The major issues with GoPayment seem to be the following:

  • Long hold times for customer service: Many users have reported less than stellar customer service, including unacceptably long hold time for unhelpful service. This is honestly the biggest complaint against GoPayment and QuickBooks Payments on the whole. But it’s also not unique to Intuit, either.
  • Held funds: Another noteworthy but uncommon complaint is Intuit holding the funds from large transactions. This one is disappointing but not entirely surprising. At least one complaint that I saw came from a merchant who processed a transaction from a family member, which raised a red flag and triggered a hold. You can avoid this by being cautious and avoiding your typical processing red flags. (For more information, check out our article on how to prevent holds, freezes, and terminations.) Be aware of your processing limits too. Contact Intuit if you need an increase, and be prepared to provide documentation to justify the increased limit.
  • Glitches: This one comes up most frequently. Merchants sometimes encounter trouble logging into their accounts or the app might freeze. This is disappointing, but it sounds like Intuit pays attention and tries to resolve the issues quickly.

I don’t see an overwhelming number of complaints that say “I opened an account with Intuit and three days later I took a payment and now my account is closed!” That’s usually along the lines of what we see with both Square and PayPal, but not here. Again, this ties into Intuit offering merchant accounts. So while you might run into occasional trouble with a transaction, overall you can expect account stability.

Positive Reviews & Testimonials

The app store reviews are once again the most helpful source of information about the app and user satisfaction. If you read between the lines a little with general QuickBooks and QuickBooks Payments reviews, you can get a little bit of information there too.

There are some noteworthy positives:

  • Higher processing limits: First, Intuit is one of the only mobile processors that will tell you outright what your limit is, and it seems to be higher than other mobile providers, even with pay-as-you-go.
  • Seamless QuickBooks integration: GoPayment only syncs with QuickBooks Online, but at least this is available and you don’t have to do any manual data entry.
  • Multi-user support: Up to 50 users can use a single account, which great for growing businesses, mobile service-based businesses especially.
  • Straightforward rates: While I can’t say Intuit is the cheapest processor around, its pricing is clear, transparent, and easy to understand. The company has made massive improvements in this regard, considering it got off to a very rocky start.

Overall, a common type of complaint for merchant accounts I see is “I have been with X company forever, but I just found out that I’ve been getting screwed over the entire time” and/or “I’ve been having lots of problems lately.” I honestly haven’t seen many of those complaints with Intuit, but there are some. A fair number of app reviews on Google and Amazon reference being long-term customers, and they’re very happy with the service. It’s not the kind of praise I can distill into specific positive attributes, but it is a general recommendation.

Let’s not forget that you’re setting up a full-fledged merchant account with Intuit, so if you need a comprehensive payment solution on top of mobile support, you’re set. In addition to seamless bookkeeping, you can set up ACH transfers for a low flat cost (or free with QuickBooks Online) and you have ecommerce support. I won’t say Intuit is particularly advanced or leading-edge technology for payments, but it definitely caters to most merchant needs and works with small and large businesses alike. I like that the volume discounts are available to merchants processing just $7,500/month.

Final Verdict

Intuit has made some serious improvements to its payment processing service and its overall pricing structure. That includes a commitment to improving GoPayment, which it could easily have abandoned to focus solely on the other aspects of QuickBooks Payments. That alone merits respect.

The QuickBooks integration makes it easy for you to keep track of your funds and your expenses. And the GoPayment app is a solid offering, giving you everything you need to accept credit cards on the go. It just doesn’t have a lot of bells and whistles that you find with Square.

The issuing of a merchant account gives you more stability than third-party processors (such as PayPal and Square), which is the biggest concern a lot of merchants have. And that’s totally understandable since businesses need access to their funds as well as a reliable way to process credit cards. However, as a merchant, you should pay careful attention to your given processing limits and do your best to avoid any sort of potentially suspicious behavior to maximize your account stability.

I think that QuickBooks GoPayment is designed for a different target consumer than Square. First of all, the ideal GoPayment user is also a QuickBooks user, which means a major concern is simplified accounting. (Although you should note that Square also integrates with QuickBooks.) These merchants have established businesses, not necessarily brand new enterprises still testing the waters of viability. And the pricing suggests that GoPayment isn’t particularly well suited to micromerchants (crafters and artists come to mind, especially) or those with very low ticket sizes.

Because the pricing is fair and transparent, there are no shady gimmicks, and you get a robust set of features tailored for small and growing businesses, I’m happy to award GoPayment 4 stars and a general recommendation. However, I strongly encourage you to do your math in advance and make sure the pricing works for you. If you are just starting out with not much of a processing history, you also might want to look at Square, which will likely suit you better to begin with.

Check out our comparison chart to see how GoPayment stacks up against our other mobile payment options.

Remember, we rely on your insights to formulate our reviews. Please leave us a comment with your experiences and insights. And as always, thanks for reading!

Melissa Johnson

Melissa Johnson

Melissa Johnson is an independent writer and editor who loves e-commerce, digital marketing, technology, and social media. Once upon a time, she earned a journalism degree, but she went on to discover that she could work from home, researching, editing, and writing about the things she found most interesting. When she's not tied to her laptop, Melissa can usually be found in the kitchen, reading a book, or doing something of the nerdy persuasion.
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47 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Deborah

    Organization Name: Lighthouse GG LLC t/a Lighthousegg Guns &Gear

    Want to cancel merchant account need the address or fax number to do so..very long time holding for customer service. Hard to hold on for 2 hours when you own your own business. Thanks for your help

    • Organization Name: Lighthouse GG LLC t/a Lighthousegg Guns &Gear
    Jessica Dinsmore

    Hi Deborah,

    Hopefully you got through to someone after your two hour hold time; no one has time for that! If not, I did find this contact page after searching “cancel quickbooks merchant account”. I can’t say for sure if this will work, but I did find several results using this search term and others. Best of luck!

      Jen

      I have tried Square and other apps and I like GoPayment the best for a variety of reasons. First and foremost you can get a list of the transactions with the names of most of the customers. I stopped using Square because you could not see that information at all.I wish you could get a report of the sales from the day with breakdowns of each items but for our purposes we work around it. The reason I only gave the app 3 stars is because we CONSTANTLY have issues with the card readers and I have spent numerous hours on the phone with customer support and nothing seems to change. At our latest event the readers and the app worked fine for the first 30 minutes and then after that we had to manually key in every credit card.

      3
        Marsha Kelly

        I always refer to your site before I purchase any software. Most of your reviews are right on. However, I disagree slightly with you on this review of quickbooks gopayment since I am more impressed that you are. My business is consulting small business owners on the best software to run their businesses. Everyone that I have set up with the intuit app loves it. Just yesterday a landscape contractor told me they have increased their payment schedule by 2 weeks since customers find it easy to pay with their credit cards and they can process the payment right in the garden outside with the mobile card reader! Perhaps your readers would find my in-depth comparison review helpful – intuit vs square

        5

          This comment refers to an earlier version of this review and may be outdated.

          Marsha Kelly

          I agree with your 4-star rating. Having used both Square and GoPayment for my small business I can confidently that Intuit GoPayment is the best choice. The Square was unreliable. Many times it took 3 or 4 swipes before it processes the credit card for payment. My customers did not want to wait – it made me look like an idiot. Compare the GoPayment and one swipe and it charges the customer credit card every time. My favorite part is how it – automatically – enters the sale into my Quickbooks Online accounting software. That is a huge advantage because in the past I had to manually enter everything. A total waste of time. I love my little Gopayment green mobile card reader. I never leave home without it 🙂 Thanks for the well-written review.

          4

            This comment refers to an earlier version of this review and may be outdated.

            Sheila Smith

            When the app erratically asks for me to sign in, and I can’t remember the password, there is no pain like the pain of trying to get back in. There is no easy way to change one’s password–or even to find out where one would change one’s gopayment password. The process has been horrible four times–and support people on the phone don’t seem to have any more clarity than I do about how to get signed back in to Go Payment, not quickbooks or intuit. LIterally hours spent trying to get back in to the app!

            3

              This comment refers to an earlier version of this review and may be outdated.

              EmiLaney

              Hi MerchantMaverick- can you update your reviews on Intuit GoPay? I got an email from Intuit stating yesterday they are changing their fee structure and terms of service.

                This comment refers to an earlier version of this review and may be outdated.

                Chloe Bahal

                Hi EmiLaney,

                Thank you for letting us know, we will look into it.

                  This comment refers to an earlier version of this review and may be outdated.

                  Stacy McClintic

                  Every payment we received over $1000 was held for being”unexpected activity.” We are a hardwood flooring company, we always have services that cost that much. But here is the worst of it. We did actually receive a payment from a stolen credit card. I called the police and made a report, then contacted merchant services at intuit. They were very helpful, walked me through reversing the charges which were $6500. Assured me all fees would be waived. Now, I found out that the card was stolen and contacted intuit before that money was ever deposited in our account. However, they took the $6500 from our bank account even though we never received it. In addition, we have been charged over $800 in processing fees. Our bank account is seriously overdrawn. They did drop off the $6500 finally, but the damage was done. And they did not remove the processing fees they told me would be waived. Our checking account has bounced, we can’t even buy a tank if gas and materials for a job because intuit stole all that money and caused all those overdrafts. I’ve spent hours in hold, finally reaching the office of intuit president, only to be transferred back to the moron I was complaining about. We have been informed that they have no obligation to make this right. We’re hiring a lawyer, and I want to make sure everyone knows how they do business.

                  1

                    This comment refers to an earlier version of this review and may be outdated.

                    ProData Infotech, LLC

                    The product works fine until you want to link it with Quickbooks. We opened an account in 2012 and now Intuit insists that we are not “Eligible” to link the accounts. They say we have to apply for a totally new account and go through that process. It is absurd that our company should have to go through something like this whenever the service provider makes changes. It is a serious disappointment. So what is going to happen in a few more years? We will have to go through this hassle again? We are thinking of dropping them now since their system seems a bit antiquated.

                    2

                      This comment refers to an earlier version of this review and may be outdated.

                      Cindy S.

                      Intuit has decided that they no longer process VISA or MasterCard Gift cards. They told me because of a system change only Intuit gift card will be accepted. No other explanation was given.

                      2

                        This comment refers to an earlier version of this review and may be outdated.

                        Jason

                        Hey Cindy,
                        I’m curious to know if you found a new card reader company that accepts Visa and Mastercard gift cards without any hassles since your review here? Who do you recommend? I’m hoping to find a mobile payment card reader compatible with my smart phone. Thanks so much in advance! Take care.

                          This comment refers to an earlier version of this review and may be outdated.

                          Robert Broome

                          There is nothing really special about Intuit’s Gopayment product. Most everyone now has a mobile payment app that give you the ability to process payments most anywhere. What business need is a reliable product that charges fair fees. I ran millions of dollars in transactions, and did not realize how much Intuit was gouging me. I switched to another provider and my fees fell nearly 40%. There are a lot of great providers. There are no benefits to using Go Payment.

                          2

                            This comment refers to an earlier version of this review and may be outdated.

                            Dave Mac

                            GROAN…The only company where I feel less valued is my mobile provider…..VERIZON!Intuit CS has consistently failed to follow-up / follow-thru when promised. Card readers not sent when promised. Delays Delays Delays. Long hold and talk times when contacting CS. just spent 58 minutes talking to one rep.NO concession for a customer’s trouble….REALLY?Simple changes like updating an expiration date cannot be easily made. Bad links sent out in e-mails….and on and on. [more groaning sounds]Just finished my 10th conversation with the mobile payment CS folks in the past 2 weeks trying to update my CC expiration date so they can re-order the EMV reader that is now close to 9 months late for delivery. Why is this so F!#*% difficult for INTUIT???Meanwhile….I’m going to start looking for a new provider.NOTE: I will commend the reps who have always been pleasant despite my frustration. BUT pleasant has never solved the issues I’ve called about.

                            1

                              This comment refers to an earlier version of this review and may be outdated.

                              Terry Kushnier

                              Haven’t used Go payment recently but was very satisfied when we did use it a couple of years back.
                              More importantly, I received advice from Intuit GoPayment Canada that they Are discontinuing GoPayment effective March 30, 2016, due to changes in business and technology.
                              If you’re with GoPayment you may know this already, but if not you may want to check out a new service provider asap.

                                This comment refers to an earlier version of this review and may be outdated.

                                eric simtob

                                I processed a credit card payment $9600 for services my customer did for a customer using Intuit Payment services. A week later i discovered the funds had not been deposited in my bank account. I called the company and was told risk assessment flagged a payment. They asked me to provide them with a copy of the invoice, details of the work we did for the customer and my company bank statement. All of this was provided to them. After 2 weeks i had still not heard back from them i called back they said they can’t verify the customer details with the issuing bank. They said you have to call the customer to figure it out. I talked to the customer who confirmed all the details on the invoice match and also provided me a copy of their credit card statement so i can see it for my self. They also confirmed the money has been charged on their credit card statement. I called intuit payments back to inform them of this and they said my only option is to process a refund and to do so I have to log into the merchant account to do that but it turn out in Canada you cant access the merchant account so it is impossible to do a refund. So I am left with inutit payments holding $9600 of my money that they have taken from my customer and they refuse to give it to me or give it back to my customer. this is fraud and theft.

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                                  Doug Cox

                                  I’ve been using gopayment in my business for a number of years with no problems until recently when they allowed someone to change the bank account on my account. Needless to say these people charged numerous 3000 dollar plus charges illegally. Once the activity was discovered ,Intuit issued a refund back for a dispute and are now trying to get me to pay them back the money. Fortunately they no longer have my bank account number since it was changed. I told them they weren’t getting a refund.

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                                    Mary Collins

                                    This happened to me to! In January, I filed a complaint with the secret service which handles financial fraud. I noticed today that they have filed a collection account in my personal credit report, so if anyone knows of an attorney handling a joint claim about this, please let me know…Around the end of 2015, I looked over my Intuit payment account to reconcile the payments that I had received during the previous week. It was at that time that I noticed that 10 different cards had each been charged $19,999.00 each. Most of the cards had been declined, but two of the transactions had been processed. None of these cards were belonging to any of my clients, and all the transactions referenced confirmation zip codes outside of my area. Intuit security never caught this, even though an average charge from me is $50…As soon as the California Intuit fraud department opened the next morning, I called them. The representative told me that someone would follow-up with me in 24-48 hours. I asked him if we could reverse the two credit card charges, but he advised me that because they had already been finalized, they could not be voided. I asked to speak with someone in the fraud department immediately about this. Initially resistant to my request, I was eventually transferred to a man who identified himself as a case manager. I explained what had occurred on my account. I explained that the criminal’s bank account information was still in my account (as I had never changed it back to my bank account numbers), and I asked if we could try issuing a refund at that time, in case that criminal’s bank account had not been cleared, and the victims could get their money back. He told me that if I tried to take any action like that, then if the funds were not available in that bank account, that I would be liable for the debt. He advised me not to take any action and they would handle it…Two months later, I received a letter from Intuit advising me that I owe them $40,000. Two months after receiving that letter, hours on the phone with them arguing my case, I now have this on my credit report as a COLLECTION ACCOUNT! Intuit is AWFUL!

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                                      Califlub

                                      We used Intuit GoPayment for a few years but cancelled today. We tried to process a charge for a customer and it came back as declined…so we tried again and it worked. When we looked at our statement both transactions went through! I had to refund the second one since our customer was charged twice. They charged their percentage on all three transactions (totally almost $300 in excess FEES!!!) and they would not refund it. We are done with GoPayment.

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                                        Marie

                                        To sign up with this guys was a BIG mistake.
                                        Made a 3 transaction on September 10 , in total about $4,000.00 . The customers bank released the money, Intuit closed my account, never called. Finally after two weeks I got to speak with someone from customer service, they said it was a suspicious transaction, and they need to investigate. They asked for 6 months of bank statements,Utility bill, Invoice, Contract, DL , customer’s personal information.. I submitted all the information, they supposed to review in 2 days and call me back. I never heard back from them . I was trying to contact them on October 14, 15, stayed on the phone for 45 min, no one came to the phone. Finally on October 16th i got to transferred to Nicole, “case manager” , she was very obnoxious!!!She was piking on everything, clearly she had all the information she need it . They need more paperwork, It had been 35 days since my customers’s bank released the money, and they holding it.! My rating is 0. I am so sorry that I ever subscribed to Intuit.

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                                          Chung

                                          I cancelled our Intuit GoPayment almost immediately after receiving it. We noticed too many hidden fees. The Intuit rep did not speak English very well. 1 year after cancellation, I noticed they were constantly billing me for their $30 monthly fees. I have put “stop payments” to these transactions, but Intuit will constantly take $ out of your account using different names (ex. FE 235044, FE428489, etc).They will change the numbers & you won’t be able to stop them from taking money from your account. The banks won’t consider it fraud because you did authorize it initially. I did not notice these fees going through as my wife and I just welcomed 2 new children to our family. It was my first year of business and it was an extremely busy year. There were 100’s of transactions going through my bank account monthly. I did not catch the FExxxxxx charges until I went through all of my bank statements). I called Intuit again. Their customer service is HORRIBLE!The first rep: transferred me to a machine after asking to speak with the managerThe second rep. lied to me. She said I was on a 4 year contract and it would cost $500 to cancel. The manager eventually cancelled free! The manager, Winston, told me his employee was misinformed. Would you really trust these people with your bank account?! I have been fairly happy with the Square. No hidden fee’s!

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                                            Mark Lowenstern

                                            The company offers the ability to scan the credit card with your tablet camera instead of swiping because their swipe works about 75% of the time. The scanning is faster, but Intuit charges more money stating it’s a manual entry. It’s a scheme. Scanning is less of a manual entry than swiping. They just want to charge you more money. If you want to talk about service, then go to another credit card provider. Their idea of service is to have you look at other users feedback online. Most retail users are being charged thousands of dollars a year from Intuit, but don’t ever expect service.

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                                              Tom DeSimone

                                              Hi Mark,

                                              Check out Flint Mobile. They use camera scan exclusively, 1.95% for debit 2.95% for credit. No other fees. And no hardware to screw up.

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                                                MB

                                                O stars. I signed up for Intuit’s GoPayment. We do very few credit card payments, but for the occasional need, we chose GoPayment. I chose the no-fee higher-swipe-charge plan based on our minimal usage. Intuit, without notice, started charging us $19.95/mo. for a service we did not want or need. I called customer service and asked to be refunded the charge. No way, no how, they would not do it. But they did say they wouldn’t charge me again. And then they did, this month. They said it won’t happen again, and promised (once again) to change my plan. They don’t really care about customer satisfaction in my experience.

                                                  This comment refers to an earlier version of this review and may be outdated.

                                                  Joby Clinner

                                                  I give this lack of service 0 stars.. This has to be the worst example of customer no service available. Have had the go-payment app for a year now, and on the 15th of April was finally able to use it for a customer. MasterCard approved the Transaction, but the following day 16th of April I get an e-mail notice that this transaction had been “flagged” for investigation. I was requested to send them the cardholders name, address, phone number, copy of the invoice, and other documents. for them to investigate, which I had to call my customer, get all this information from him, even though MasterCard had already approved the transaction. I then received another e-mail where their “payment risk” investigator wanted a copy of the contract.. (which according to their own terms and conditions I am not required to show them), and another copy of the invoice. This also was sent on the 16th. On the 17th I called to find out why they needed all this, and was given a royal runaround through the payment risk department. Finally I got through to the Case manager. (totally incompetent individual I might add). who informed me that he now had to call my customer and verify he made the charge.. I then asked why.. didn’t MasterCard already approve the charge, he said yes but it had been flagged.. I never received an answer to the question as to why it was flagged. On Monday the 20th I called again, because the funds were still being withheld, and was told by this same Idiot case manager, that he had left the customer a message and that it would be taken care of today.. Needless to say it wasn’t, and the next morning ( april 21st) I called again to find out way this had not been released.. I was told again that they had not been able to contact My customer, later that day about 11:00 AM I received a call from my customer, he had me on a conference call while he was on hold waiting for the Case manager to get on the line, he told me he had already called them back 3 times, and was given the runaround, and placed on hold a minimum of 15 mins each time.. before he had to hang up. We waited together for 25 mins, before the Incompetant Case manager finally got on the phone.. By this time my customer was absolutely livid.. He asked the case manager, point blank–“did mastercard approve the charge”, he was told yes they had, He then told the case manager “then pay this man his money”, The useless and incompetent Case Manager then told me that the funds would be released that day (the 21st), To my surprise the next morning I checked the Merchant account online and it was still showing withheld.. Finally later that day, the funds were finally released online.. However the funds have still not been transferred to my account as of yet.. 4-23-2015–12:17 PM CST.. So Intuit has had my money in their account for 6 days now, But I haven’t receive it yet.. Anyone who signs up for this service is asking for embarrassment to their customer and harassment by this so called Payment Risk Department.. As soon as My funds hit my account I am cancelling this service and going with another provider..

                                                    This comment refers to an earlier version of this review and may be outdated.

                                                    Amad Ebrahimi

                                                    Thank you for the comment Joby,

                                                    If you’re looking for a new processor, we recently launched a tool to help our readers find the right merchant account for their business. Please give it a try and let us know what you think.

                                                    Take care,
                                                    Amad

                                                      This comment refers to an earlier version of this review and may be outdated.

                                                      Sara Bryant

                                                      Zero stars for these guys. Our company briefly used their card service over a year and a half ago. This week , they charged our bank account $34.95 in fees. I called and was told that our account was still open, even though we closed it and have not used their service. The rep answered after 20 minutes on hold and told me our money would not be refunded. I asked for his supervisor, and was put on hold for 10 more minutes before he hung up on me.
                                                      I stopped payment at the bank, and immediately received a collection notice!
                                                      Now they say I owe $85 a day after the phone call.
                                                      Grimmy, money grubbers, with the worst customer service!

                                                        This comment refers to an earlier version of this review and may be outdated.

                                                        Lisa L

                                                        I am not even using Intuit and my business account was charged. The rep couldn’t even tell me what the charge was for except that we had an open account in 2012 (that we did not use or go with). It would be wise not even to entertain the idea of doing your business with them. Apparently that gives them the right to charge you whenever they want and not even have to explain the charges to you!

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                                                          Marilyn

                                                          Beware!!! Purchased what I thought was Intuit QuickBooks. Noticed that I wasbeing charged for payroll services, which I did not order. At first the charges forpayroll were $15.60 a month, which unfortunately did not register with me for a fewmonths. Then the charge went to $39 month. I called to question/cancel service,was told it would be canceled, but they could only refund 3 months back. Twomonths later, they were still charging the $39. Called again….asked for supervisor,no one will give you their last name or even an employee id #……..not a good sign.Supervisor tried to spin that I had made the mistake when ordering. Finally, aftermuch debate (he acknowledged that I had never used the payroll service), he agreedto refund a portion of the payroll charges.I am wondering if their business practice is to try to add things to the order andhope you will not notice. If you choose to work with this company be very clear on what you are paying for and watch what they bill you. Better yet, find a company with better business practices.

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                                                            Sara Bryant

                                                            Wow, I was told no money would be refunded. Intuit is the worst customer service!

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                                                              Sierra

                                                              Intuit GoPayment has got to be the worst credit card processing company out there. The app is lovely – easy to use, customizable receipts, free to install. Great. However, the actual company.. Terrible. I processed credit cards two weeks ago and still have not been funded. I was told, after waiting one week and not receiving funds, that the bank account could not be located. Funny, since they were certainly able to pull their $19.95 fee from the same bank account used for deposits. So, as requested, I had to “update” my account information. I was then told to wait another 24-48 hours. I called back after 3 days because I still did not have funds. I was told that everything was fine on their end and that the holdup was on my bank’s end with acceptance of the funds. The very next morning, I received an email stating my account could not be located. Again. I changed my bank information to an entirely different bank account at an entirely different financial institution and am now in the “wait 24-48 hours” period again. I have called this company about five times, always an hour per phone call due to the excessively long hold times, and was simply told (again) that the funds will be deposited (into my AGAIN updated bank account) within 24-48 hours. One of the phone calls I made took me calling back – and waiting on hold for 45 minutes – three times because they kept getting disconnected. Though, the representatives that I eventually (if you are able to wait long enough) get to speak with are always extremely pleasant. How can there possibly be so much trouble depositing funds into a bank account that you had no trouble withdrawing from? I will be switching my services immediately and will not recommend Intuit GoPayment to anyone.

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                                                                joe preciado

                                                                All I see here is one star reviews,so why they have 3 1/2 average?any way they took some money out my account and I try to contact those guy’s with no luck will see tomorrow

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                                                                  Wendy Nunes

                                                                  I have been using GoPayment for a few years for our small winery. I’m happy with the prices and ease of use. I also use Quickbooks. If I had more complicated products the ap might not be adequate but so far do good.

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                                                                    Nathan Hays

                                                                    Intuit Go Payment is absolutely horrible. One of the worst companies I have ever done business with. I recently set up a merchant account with Intuit Go Payment. I was given a monthly charge limit of $10,000.00. So I made a few charges. One for $2500 and the other for $3000. The $2500 went through just fine but the $3000 “raised” some eyebrows. Are you kidding me intuit! I have a limit of $10,000.00! This caused my account to get temporarily shut down due to “risk” while they started a review process that took about a week and a half. Keep in mind they said it would be 48 hours. Anyway this pointless review ended up with the morons in the risk department determining that I can not handle the fees associated with my charges. Are you kidding me ?! I made the damn charges and I know what I’m going to be paying in fees! As a result they shut down my account. I am now with square. A much better service! They allow up to $25,000.00 per individual transaction no questions asked and allow unlimited transactions in a month. I do not recommend Intuit Go Payments to anyone. Use Square.

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                                                                      Marc Vein

                                                                      Intuit has cost me a lot of money and nothing in return. Contract was negotiated for less because their product really doesn’t help a business at all and then kept charging the original rate. Nothing is being done to change this. Communication has stopped and so reviews then flow.

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                                                                        Sara Bryant

                                                                        Maybe all of us being robbed by intuit need to start a class action lawsuit!

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                                                                          Jackie Hollins

                                                                          Sara I’m ready they must be stopped, they are ruining people Credit report and Business.

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                                                                            Melva

                                                                            Are there any known security issues with this product?

                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                              Jon Ezell

                                                                              I got the GoPayment in summer 2013 for, like, a yard sale. It was “free.” I don’t think I processed a single transaction on it. I didn’t think about it very much. In mid-2014 they changed their fee / payment structure. They announced this in an email titled “Coming Soon – Simplified Pricing.” They automatically signed me up for the 19.95 / mo. fee, even though I’d never processed a single payment. Of course, I didn’t read this vanilla looking email and judging by the subject line I’d assume that wasn’t their intention. But I can guarantee you I never signed up for this. Anyway, it took me 3 months to notice they were taking these fees. I cancelled my account immediately. Then, the next month, they billed me again. I called customer service and was assured I’d have the last month refunded. Still haven’t seen the refund and I’m half-expecting them to bill me again next month. Anyway, so out of the $80 they stole from me, I will get (maybe) $20. My only consolation is that this money will go to pay for lobbying to prevent the IRS from developing electronic tax filing that would render TurboTax obsolete. So, um, yeah. Just ask for your customers to pay cash. It isn’t worth it.

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                                                                                Sara Bryant

                                                                                I was also robbed by intuit, they are taking money without authorization!
                                                                                We should file a class action lawsuit!

                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                  Jimi Sweet

                                                                                  I was very excited to process cards with Intuit as we have been using the QuickBooks Online app and the integration seemed perfect for us. Unfortunately, I am beginning to think that Intuit is a bit of a scam.1) They keep harassing us to sign up for their Payroll service, which we have no use for, and there doesn’t seem to be a way to check a box along the lines of “stop asking us.” At some point, we were actually charged $34 for Payroll service, despite never actually signing up for it. We went back to the web site to confirm that it was been cancelled, despite that we never signed up for it in the first place. But you know, they have our billing info….2) They will randomly review, and hold your deposits and insist that you provide an insane amount of personal information about your customers and the transaction — THAT WAS NEVER DISPUTED BY THE CUSTOMER IN THE FIRST PLACE. We don’t personally collect the information that Intuit requested, and when I explained that I would simply like to refund the customer’s money rather harass them, the Intuit rep walked me through the process and said, “great, we’re going to charge your account the full amount of the refund, but you’re still going to need to provide us that information before we release the funds back to your customer.” No thanks, Intuit. You’re insane. I’m going back to Square.

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                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                    Betty Price

                                                                                    Buyers beware! Costco supposedly has a program with them where the consumer can purchase a plan. For the past two years the agent on the phone taking the payment didn’t know what I was talking about when it was time to renew. This time, the rep signed me up for basic service and I didn’t know until the date to EPay the taxes, which meant I was late paying payroll taxes. The first rep told me today that Intuit had canceled their contract with Costco – Intuit’s website shows the discounted rates, so she did not tell the truth. Then she said that the discount service was for online service – hello, that is the service that I have. The supervisor cam on the line and told me I had to pay more for the service because I had basic service. Then she wanted to confirm my membership and the department was closed. Their employees do not know what they are doing and will tell any lie to make themselves right. Buyers beware!

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                                                                                      Esther

                                                                                      We are a new business, start up this January, many items on our check list, computer, merchant account, bank account, telephones, licenses, permits, etc., etc., etc. We got Quickbooks since I was already familiar with it from previous employer.. then signed up for the GoPay Merchant Account. During the initial call I was VERY clear that I did NOT want a monthly service fee, I opted for the higher fee for swiping the cards. We were a very new business and did not know how much our receivables would be, when they would occur or how they would be paid (check/credit/cash). I spoke to them again later the next month to confirm that “NO Monthly Service Fees” since I already had them on the phone with a problem with the card reader. (The 1st card reader, then a 2nd card reader and finally talked me into the Blue Bamboo for $200.00! Blue Bamboo still didn’t work but they won’t refund money for that either!!)I noticed “extra” charges coming out of the bank account… a few dollars here and there (above the swipe fee), then monthly fees. I would call, be on hold and never get to speak to anyone. Today I decided to make it my mission… I will wait, I will talk and find out what the heck all these charges are for. They said I signed up for the monthly plan but they gave me a free month, that’s why I wasn’t billed at the beginning ($19.95/mo). They said I signed up for a check processing plan (admin fee $9.95/mo), that started in May. They said the other charges were the non-qualified cards and another $35.00 for PCI compliance, which I was never informed about. These charges have been going on from 3 to 5 months ago. Yep, my fault, busy starting up and getting business; I would call but frustrated would hang up because I didn’t want to hold forever or be transferred from department to department (I stuff Intuit in my Comcast category). The very nice customer service lady did give me three case numbers but said they would most likely NOT refund any of the monthly charges. She also mentioned if I don’t hear from them in a couple days to call back. OMG, today’s phone conversation topped 2 hours. At this point, I certainly would not recommend this service to anyone.

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                                                                                        Tammy

                                                                                        I spend thousend dollars on this stupid intuit and finally have to cancel itThey did not help me at all

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                                                                                          Janet Dome

                                                                                          So far it has been horrible. In spite of starting off good, they had glitches that were no fault of ours that caused deposits to be held. All you have to do is look up the reviews to see they have not earned the business they have, and customer service is lacking. It can’t be all the other people wrong-its clearly Intuit that is not following good standards of practice. They gamble with small business money as if it belonged to them. Once trust is gone, its time to find a different option, Would certainly not recommend them in the state they are now. They have some major clean up to do with the public.

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                                                                                            Iftekhar Ahmed

                                                                                            It is great app all features are nice need some improvement in recept customization I need to describe charges in my case I am in transportation bussiness I need to write pickup time place and drop off address

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                                                                                              Rick wright

                                                                                              Gopayment was a mistake that cost me
                                                                                              Plus they have bad customer service , When i called in with a question it was as if i was bothering them, the women i spoke with was rude and had no customer service skills at all. I left a request for a call back when i was told my wait time would be around 20 mins 24hrs later still no call. When i did reach someone they did not seem to know what to do and could not answer any of my questions. So i ran a charge through after three days i got a email saying they were holding my deposit and i needed to call in to get it fixed . So after a half hr wait and a hr long conversation i was more confused then before i called . Then after a few people and hrs later i get tranfered to the “risk” department , that person tells me that even though this is a deposit to start a job they want an invoice my customers personal info and a year of my bank statements ! After i said hell no they charge me for a deposit they did not process and a fee to return the money to customers card. This brings us to the nasty women i was speaking to whom was rude and not helpful at all could not explain why they were chargeing me twice on the same transaction plus a fee with no explanation then she lies to me tells me it is in every email i got from them and it was not . Also lied and said in a previous phone call i was told they were going to rip me off that never happened or i would have said something then. My opinion they play games with your money to get interest from it they lie and you should stay away

                                                                                                This comment refers to an earlier version of this review and may be outdated.

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