Intuit Payment Network Review

Intuit Payment Network Overview

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UPDATE 1/9/2019: Intuit Payment Network has been discontinued as of June 30, 2016. Intuit has instructed merchants in need of the service to switch to a new feature within QuickBooks called “eInvoicing.”

Intuit Payment Network ( is a payment and money transfer service created by Intuit Inc., the maker of the popular small business accounting software, Quickbooks. The service is similar to those of PayPal and Dwolla and allows for bank-to-bank money transfers and payments as well as credit card payments. Intuit Payment Network has no setup fees, monthly fees or cancellation fees. Receivers of bank-to-bank payments pay only a flat fee of 50 cents per transaction (sending money is free), and accepting credit card payments costs 3.25% of the transaction amount.

Unlike some of its competitors, Intuit does not require customers to have an Intuit Payment Account. Instead, the service allows them to pay via a “guest account,” making for a smoother payment process. Intuit states that bank account information (such as account numbers) is never shared between buyers and sellers.

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Products & Services Offered

  • Debit and credit card processing
  • ACH processing
  • QuickBooks integration
  • “Pay Now” buttons
  • Email invoicing
  • Custom payment links

Types of Businesses Served

  • Peer-to-peer
  • B2B
  • E-commerce

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Intuit Payment Network Rates, Fees, and Costs

Key Points

ACH Rate $0.50
Credit Card Rate 3.25%
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms None

As noted above, Intuit Payment Network charges $0.50 per ACH transfer received and 3.25% per credit card payment received. There are no setup fees, monthly fees, or early termination fees associated with the service, and there are no penalties for exceeding a processing limit. Overall, these rates are very competitive with the company’s competitors, especially considering that Intuit does not require customers to create specific Intuit Payment Network accounts to use the service. Intuit’s transaction limits are variable but can be raised within 3-5 business days via a request through the user’s profile. The few complaints we have found about Intuit’s transaction limits are related to transactions of thousands or tens of thousands of dollars, so merchants should expect to encounter some difficulties if they process very large amounts without contacting Intuit beforehand.

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Intuit Payment Network Complaints & Customer Reviews

Key Points

Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Fund Holds

Intuit Payment Network is currently showing more than ten complaints on this and other consumer protection websites, and all of these complaints express issues with fund holds enforced by Intuit. In some of these cases, merchants were aware of transaction limits enforced by the company but still attempted to process payments anyway; in other cases, merchants were unaware that their funds might be held before attempting to accept payments. Although fund holds of large amounts are surely distressing for merchants, it seems that Intuit Payment Network provides a fair amount of notice in a user’s profile before a processing limit is reached. In addition, the company immediately notifies merchants when they hit a processing limit, allowing merchants to react and plan for likely holds. Merchants who have had their funds held typically report transactions in the thousands of dollars, which indicates that very large amounts may not clear on the first attempt by the user. Overall, given the company’s size and complaint volume, Intuit performs well in this category.

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Intuit Payment Network BBB Rating Summary

Intuit Payment Network does not have a dedicated Better Business Bureau profile and Intuit’s main profile encompasses numerous other products, so we will not include it for the purposes of this review.

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Intuit Payment Network appears to primarily market itself through its website and through Intuit’s existing client base, particularly as a complementary service to QuickBooks. There is no indication that the company uses misleading rate quotes on its website or employs independent sales agents to sell its services, and the company is showing zero complaints to that effect.

One issue for merchants appears to be the company’s processing limits and risk prevention policy. Most complaints about IPN mention unexpected fund holds placed on transactions and difficulty getting these funds released. Although Intuit Payment Network discloses the fact that it enforces transaction limits on its “Fees” page and notifies merchants of approaching limits within their profiles, it seems that the service could stand to do a slightly better job of informing merchants of Intuit’s risk policy before they start to process payments.

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Intuit Payment Network Marketing Example

Intuit Payment Network Logo

Our Opinion of Intuit Payment Network

Intuit Payment Network rates as an excellent merchant account alternative for merchants. The service does not require its users to set up unique accounts in order to process payments and has fairly low transaction fees, but it is showing some complaints related to its fraud prevention policy. Merchants are encouraged to spend some time clicking through the Intuit Payment Network website in order to understand the service’s policy on transaction limits.

We rely on your feedback about Intuit Payment Network to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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17 Reviews Leave Your Review for Intuit Payment Network Below

  1. Fontaine Jacobs says:

    I had a tenant who had a bank transfer that didn’t go through because of insufficient funds. The money was deposited in my account and then removed back in June. Three months Intuit sent me a form email with Dear Empty telling me I owe them the amount that was withdrawn plus a $25 collection fee. My account has been closed and I can’t bill any of my tenants from that account.

    I tried to contact Intuit—their hold times are 20 minutes- 2 hours. After speaking to Jeremiah, a Supervisor, he told me he would research it and call me back. He did not. I am about to close my account

  2. Anthony Sarno says:

    Improper processing fees on fraudulent charge. I was told to apply just to “see ” the ultimate costs. I canceled the service but they sneaked in a two stage s cancellation process unlike the one click to sign up. I was charged for services I thought i canceled. Imho, this is immoral and should be illegal if it is not already. I would bet there are thousands of unsuspecting small business owners who were also bilked, I wonder if this merits a class action suit.
    Please reply to this if you were also impacted.

  3. Lowell says:

    Improper processing fees on fraudulent charges. We have been using IPN for about 3 months. We received a phone order for an amount just under $10,000.00. We processed the order. The next day we contacted the customer by telephone and found that their account was compromised and it was a fraudulent charge. Intuit charged us the merchant fee for both the original charge and the credit back of fraudulent charge – over $625.00.
    Calling then has gotten no where. It takes hours on hold to get through to their support people and then they say they are transferring you and hang up on you.
    This is no way to treat customers! It is impossible to get this matter resolved.
    Choose a processor that values their vendors. Not one that takes advantage of them.

  4. Cheryl says:

    I am pleased with the functionality of the IPN service. I use only the e-echeck service, not the credit card services. The only problem I continue to have is that as more of my clients decide to pay me online, and my business grows so there is more money to receive, the more often they will not allow a client to pay me due to my limits. I have asked for a received increases, but not on pace with my needs. It is extremely embarrassing to tell a client, “Oh so sorry, could you just send me a check?” I would love to hear if anyone has found a better solution.

    1. Wendy H. says:

      Yes, had the same embarrassing experience. I use Paypal who makes my the funds available immediately.

  5. Please add another to the list. I have been pleased with IPN until all of the above happened in 3 days with one client. First my largest client tried to pay and was told exceeded limit, requested increase and we are denied. Same customer pays a smaller invoice but still 20k+ and it all appears to go through but 2 days later, which is when most payments post, I get a notice that they will be held for a week while under review and then available 2 days later. My clients can mail a check and I receive it and deposit it faster than this. Not convenient at all. Also it is amazing that there is no real way to contact them other than reply to email.

  6. Kevin Berthold says:

    It seems to me there are a ton more complaints against Intuit for unjustly holding funds. You can add me to that count. I don’t think the severity of this problem, and the implications thereof are fully appreciated. Just two complaints like this should take Intuit to a D-level rating and these matters should be brought to the attention of regulatory authorities that investigate and take the necessary punitive actions against processors who unjustifiably hold funds.

    Are PN’s subject to federal or state regulatory authorities and who are such authorities? Do they have federal / state licenses, issued by whom? Are they audited, specifically to ensure that funds held, are separated from their money and that they cannot derive any benefit from such funds? (If they derive any benefit, interest or use in any way, this is a major incrimination, their objectivity with regards to the circumstances under which they hold funds is tarnished, and they have to be presumed to have erred on the side of enriching themselves criminally.)

    Are PN’s credit rated like banks (I don’t mean the fuzzy ratings given by users or proponents, I mean like by Fitch or S&P). The way they “hold” funds that do not belong to them they should be subject to the same depository institutions controls as banks.

  7. Nick says:

    IPN does charge $19.95 per month for credit card processing, in addition to the transaction fees. It took me a couple of months of back & forth between my bank, and various departments at Intuit to figure that out.

    1. Frank says:

      Yes i have just gone through the same exact thing. I actually called my client and the funds were taken out on Monday and they were still unavailable on Thursday night. I filed a complaint with Consumer affairs and about to go on BBB’s website.

  8. On 2/17/2014 my client sent a payment. On 2/18 we received an email that funds were received. On 2/19 we received an email from Intuit that they are holding the funds which should be available in 1-2 days. A little too late Intuit. We scheduled payments to go out to vendors on 2/18 when “funds were received”. Needless to say payments were returned and we were charged $35 per item.

    It is now 2/27. Just got off the phone with Larry, a supervisor at IPN. Risk Management needs further information, my clients phone number. This is after a call on 2/25 when they requested the invoice that was paid.

    I have been promised that the funds would be available either Friday 2/28 or on Monday.

    I do not have high expectations in receiving the money. I think I may have to go back to my client to reverse the charge and just send me a check. Embarrassing!

    This transaction has not only cost us the fees charged by our bank, but our account standing at the bank, how vendors now view us after a payment is returned, the inability in not being able to pay bills or buy materials and supplies and the 2 hours spent on the phone with IPN fulfilling ridiculous requests for information.

    Intuit is reluctant in getting funds to their Merchants and the stall tactics are absurd. If they do this to 1,000 customers with an average of $2500 per day at 1% interest? Sounds a bit illegal to me and should be a candidate for a class action suit. Any lawyers out there interested?

  9. Shaun Anthony says:

    Beware! I have had a very similar situation to those mentioned above. Add me to the list of unhappy customers! RISK MANAGEMENT DEPARTMENT OUT OF CONTROL!
    They do not care about small business. If your company has any idea of how to manage risk then you will determine that doing business with intuit payment network is nothing short of risky business!

  10. Julie says:

    I have had nothing but headaches with the Intuit Payment Network. I run a consulting group, and the first time my client tried to pay an invoice through the IPN, the payment was rejected because it exceeded the daily limit for my account. Very embarrassing. So I went through the hoops to get the daily limit increased … which takes 3-5 business days … and had the client pay by old-fashioned check that month.

    This month, client tried to pay by IPN again, and although the transaction went through, the IPN Risk Management department sent me an email saying that they are holding my money because of unusual account activity for “probably” a week and may only release it 1-2 business days after that week. The only reason this activity is unusual is because IPN has not let any other transactions through!

    As soon as I get them to stop holding my cash hostage, I am canceling my account.

  11. Stephanie says:

    The first time using the IPN (Intuit Payment Network), it was flawless. I was a guest then and on my second payment with it, I signed up for an account to make filling in forms go even faster. Well, to my dismay, I get my emailed my invoice from a supplier I work with. I go to pay and guess what? It tells me my account cannot be verified after entering payment information. I try also by logging into the IPN site as a registered user and get the same message that my account cannot be verified. No where on the site is there a “Contact us” or “help” area. I suppose I will be writing a check now.

  12. Wendy H says:

    I was using Quickbooks online for the past 4 months and was impressed with the convenience of the Payment Network that I signed up for the service. I am a private tutor and have been sending invoices to my students who have paid by both check and credit cards. Yesterday a check for $150 was put on hold and I was notified through an email that the Risk Management Department held up my funds to protect my account and I would have to wait 5 days for it to clear then 1-2 days for the funds to be deposited in my account. The email stated that if I have any questions or concerns I should call the Risk Management Department on 1-877-559-7866. I called to find out what is the problem. I spoke with Shelly Hebert who proceeded to give me reasons that were totally senseless. She said that maybe either the routing number or the account number on the check is not correct so their initial verification failed so they sent it to the bank and the payor’s bank will take 4 days to clear the check. If the check is cleared then they will pay me 1-2 days later.

    When I asked to speak with Risk Management as per my email, she said that Risk management is back office and I cannot speak to them, also they do not have access to the transactions to see the details. Only customer service can see the details of the transaction. This made absolutely no sense to me as in all other businesses it is the other way around. If Risk Management does not have access to my transaction details then what are they really assessing?

    Something seems dishonest and unethical about this company. I tried to find an email or postal address on their website but there is none.

  13. Ian Connor says:

    We just got locked out (after hours so no support and no warning). Unless you have excellent relationships with your customers and they will jump through hoops to pay you – it is not worth the risk.
    It just makes you look bad when parts of your service fail (which includes accepting payments).
    We were lucky and it was only in testing for us and affected only one client. They were understanding so no real damage was suffered.

  14. CJ says:

    Although in IPN you can have credit card preferences turned off – unless you go into QuickBooks and turn it off as well then credit cards will be processed and you’ll be nicked those ridiculous processing fees of 3.25%

  15. Jill Athey says:

    My business opened a Merchant Account with Intuit Merchant Services in 2002. We have used the Intuit Merchant Services to process our customers credit cards. In 2012 we started to utilize Intuit’s Payment Network Services so our customer’s could pay their bills online using either a credit card or direct payment from their bank. We were not notified at the time that there were limits or fine print. It was just an addition to our Merchant Services account. Since 2012 my business was always in good standing with Intuit Merchant Services. Their fees were always paid, there was never an issue. One of our largest customers recently used the Intuit Payment Network Services to pay an invoice in the amount of $30270.00. Our customer used their credit card, the charge/payment was approved and sent from their credit card on Monday March 11th, 2013. On Tuesday March 12th, 2013 my company received an Email to our general business email address [email protected] from Intuit Risk Management Department requesting documentation to process the payment to our business bank in Bartlett IL. I faxed the required documentation, six months of bank statements and the invoice that was sent to our customer in the amount of $30270.00. On Wednesday, March 13th I sent a reply email to the address that was included in the Risk Management Department email to confirm if Intuit Risk Management had received the required documentation and if the funds were in process of being transferred to our business bank account. On Thursday, March 14th when I did not receive a reply confirmation via email or did not see that the funds had been transferred to our business bank account I called the number listed on the Intuit Risk Management Department to find out what happened. I spoke to a Mary Curtis in the Intuit Risk Management Department and she informed me that she would send me her email address so I could email the required documents to her. I received her email and forwarded all of the required documents to her. Mary Curtis then emailed me back and claimed she only received 2 months of bank statements. I verified that I had sent all six months of bank statements, the invoice that was sent to my customer as well as the initial letter from Intuit Risk Management requesting the documents. I then resent the documents in a new email to both Mary Curtis and to a Nina Gentiles at Intuit Risk Management as Mary Curtis was going to be leaving for the day in 10 minutes after she had sent the email informing me that she only received two months of the bank statements. She also stated she would be in her office at 5:30 a.m. PST on Friday, March 15th. In her email she also requested to send the remaining four statements so she could adjust our account to allow for transactions of this amount. At no time since we have done business with Intuit Merchant Services or Intuit Payment Network Services were we aware that there was any type of limit. After resending the required documents two more times just to make sure they received them, I started receiving notifications that documents for our Case ID 110198424 had been received. I received five of these emails. On Friday, March 15th at 12:47 p.m. CST I received an email from Mary Curtis stating that, according to the documentation that I had sent to her our Merchant account only supported transactions up to $10,000.00 and she requested the contact name and phone number for our customer to verify the transaction with the card issuing bank. Unfortunately, due to a personal emergency, I did not see that email until 7:45 p.m. CST. Along with the email from Mary Curtis that was received in my email account at 12:47 p.m. CST there was another email from Intuit Payment Solutions that was received into my email account at 12:51 p.m. CST notifying my company that Intuit Payment Solutions had closed our Merchant Account. In the attached letter of the email we received from Intuit Payment Services was a notification that Intuit Risk Management had terminated our account due to Security Risk. What Security Risk? The letter also informed us that Intuit Payment Services will hold the funds of $30270.00 in a non-interest bearing account. So basically my understanding is they are taking the money that my customer paid to my company for an invoice, in which we promised our customer product. My company, MAJOR Fiber Optics, Inc. is a small business. We will lose this customer if we cannot provide the product we promised them on time. We will most likely lose our business. Our concern and disbelief is that this is even happening. Our customer paid the invoice with their credit card. I had checked with our customer because we were not seeing the funds appearing in our business bank account. They assured me the amount was debited from their credit card. As a resolution we would like Intuit to either A) transfer the full amount of $30270.00 to our business bank account as this is already paid for from our customer or, B) refund the amount to our customer’s credit card. I am amazed that a company the size of Intuit can actually steal money from a small business like this. We had trusted this company and now are so disenchanted and completely disgusted. There are numerous complaints from other companies who may not feel they can do anything about this. As our business will most likely shut down if this is not resolved, we have everything to lose.

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