Intuit Merchant Services 2023: Reviews & Complaints

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Intuit Merchant Services
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Intuit Merchant Services

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Company Overview

Intuit Merchant Services, also known as QuickBooks Payments, is a merchant account provider based in Mountain View, California. Intuit first entered the merchant services industry in order to package credit card processing services with its QuickBooks accounting software. To make this easier, the company established a partnership with Innovative Merchant Solutions. In 2003, Intuit acquired Innovative Merchant Solutions, and in recent years the company has restructured its merchant services division under the QuickBooks Payments brand. In fact, it’s possible that Intuit Merchant Services is no longer a distinct unit within the QuickBooks family of products, but we will continue updating this review until the company officially scraps it.

In spring 2023, Intuit announced that it would be shutting down its QuickBooks Desktop POS by October 3, 2023. The market share of the QuickBooks POS is not massive, but companies that do use it need to find an alternative before that date.

Intuit Merchant Services Payment Processing

Intuit Merchant Services processes all major credit and debit cards for most business types. Their services include ACH and check processing, pay-enabled invoices, mobile payments, scheduled and recurring payments, next-day deposits, bookkeeping, invoice tracking, QuickBooks cash bank accounts, and payment links. They appear to focus exclusively on payments out of a store, though their mobile options may work for in-store payments for small businesses. Intuit announced at the end of February 2023 that they no longer sell their POS product.

Online Payments with Intuit Merchant Services

For businesses that operate online, Intuit Merchant Services offers online payment tools. This includes a payment gateway for processing transactions over the internet, and the ability to set up payment links in invoices sent through QuickBooks.

Mobile Payment Solutions from Intuit Merchant Services

For businesses that need to process transactions on the go, Intuit Merchant Services offers a mobile payment app. This feature allows businesses to accept card payments directly from a smartphone or tablet, providing flexibility for businesses that aren’t tied to a physical location.

Intuit Merchant Services’ Fraud Protection

Understanding the importance of secure transactions, Intuit Merchant Services incorporates measures to prevent fraud. These tools aim to protect businesses from unauthorized transactions and reduce the risk of financial loss.


Intuit Merchant Services offers an invoicing feature that allows businesses to send invoices to their customers and receive payments online. The platform provides customizable invoice templates and allows businesses to set up recurring invoices for their regular customers.

Seamless QuickBooks Integration

The vast majority of merchants learn about Intuit Merchant Services through QuickBooks, a small-business accounting software program developed by the company. Intuit has done a great job of packaging its credit card processing service into QuickBooks. The integration makes it very easy for businesses to seamlessly charge cards and track the sales in essentially one step. In fact, we have found that many clients will accept higher processing rates with Intuit (rather than switch processors) to keep the easy, integrated accounting functionality. Intuit’s primary merchant account product at this time is QuickBooks Payments. The company uses First Data (now Fiserv) as its processor but handles its customer service and operations in-house.

Location & Ownership

The president and CEO of Intuit is Sasan K. Goodarzi. Intuit is located at 2700 Coast Ave, Mountain View, CA 94043.

Intuit Merchant Services Pros and Cons


  • Been in the industry for a long time
  • Integration with QuickBooks
  • Proactive about resolving issues


  • Complaints about fund-holds
  • Potentially expensive contract
  • Customer service complaints

Table of Contents

  • Costs & Contract: Offers swipe rates of up to 2.4% plus $0.30 and keyed-in rates of 3.5% plus $0.30 with options between…
  • Complaints & Service: Has received more than 250 public complaints regarding…
  • BBB Rating: Has no rating with the Better Business Bureau as Intuit, Inc. and has received 3,443 complaints and 515  reviews and…
  • Sales & Marketing: Does not hire independent sales agents but has received some complaints about its…
Intuit Merchant Services payment processing
Intuit Merchant Services is a QuickBooks brand payment processing company

Intuit Merchant Services Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Recent Lawsuits

Moderate Complaint Total

We are currently able to locate over 250 negative Intuit Merchant Services reviews, many of which characterize the company as a scam or a ripoff. One thing clients should keep in mind is that Intuit is a huge company and that because of this the company will have more complaints than smaller companies. That being said, Intuit Merchant Services has a moderate amount of complaints filed against it. On a positive note, it appears that the company’s overall complaint rate has decreased or held steady for the last few years. If you have your own Intuit Merchant Services review to make, please do so in the comments below.

Client Complaint Details

The majority of complaints center on issues relating to hidden and surprise fees, poor customer service, and sudden account-holds and freezes. One such complaint, found here, mentions that although “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,” the merchant still had a valid $30,000 transaction frozen by the company indefinitely. A large number of similar complaints can be found in the comment section of this review. It appears that Intuit needs to do a much better job of disclosing fees and hold policies during the sales process instead of embedding that information in the merchant account contract, which is apparently confusing to most clients.

Intuit Merchant Services Lawsuits and Fines

We have seen evidence that Intuit, Inc. was fined $11 million in 2014 as part of a scheme to keep employee salary levels suppressed. Intuit also faced major allegations and a class-action suit filed by California’s Santa Clara County in 2019 that the company allegedly duped low-income taxpayers to pay for free tax preparation online. The most recent update came in March 2021, when a judge ruled that a $40-million settlement was not enough for consumers in the class, and then in July 2021, when Intuit attempted to send arbitration for class-action cases against itself to small claims court, which was denied.

Intuit Merchant Services Customer Support Options

Intuit provides phone and email support to all of its users, but the complaints about long waits and ineffective replies have prevented the company from ranking among the top merchant accounts for great customer service.

Intuit Merchant Services Customer Service Options

  • (877) 683-3280 – Toll-Free Customer Support
  • (844) 529-4511 – Sales

Intuit Merchant Services Reviews Online

Our Better Business Bureau Profile Assessment

BBB Summary

BBB Reports

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Over 3,400 Complaints

Intuit currently has no rating with the Better Business Bureau and was formerly accredited since 2010 but is no longer accredited. The company has received 3,443 complaints in the past 36 months. Only 1,260 of these 3,443 complaints were resolved by the company to the satisfaction of the merchant. The remaining 2,183 were resolved to the dissatisfaction of the merchant or received no final response

What Merchants Say

Intuit has also received 515 informal reviews from users, with an average rating of one out of five. One recent review describes problems with difficult customer service and withheld funds:

We trusted them with our merchant service needs. They took our money and held it for a month. Making us send selfies and all sorts of other none senses. Made us beg for our own money. And have the nerve to act like they are doing ** a favor. I am far from happy with this company and doubt that I will ever use them again. Even if there were no more challenges, I wasted too much of my time dealing with them and begging for my own money. Ridiculous

This client might have avoided this issue by working with a top-rated provider for customer service.

A “C” Performance

The BBB‘s profile for Intuit covers the entire company, including its merchant services department. Since Intuit’s payment services are typically integrated with its other products, it seems reasonable to consult the company’s BBB profile as a reflection of its customers’ satisfaction. We have therefore adjusted the BBB’s rating to a “C” according to how we would interpret the current volume and content of the complaints.

Intuit Merchant Services Fees and Rates

A Closer Look at the Contract

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

Complicated Pricing

Intuit’s costs and fees have always been murky at best. As of this update, the company currently offers four separate pricing schedules depending on when the business was approved for a merchant account through QuickBooks Payments or Intuit. The company also offers an evergreen merchant agreement that applies to all pricing schedules. The rates and fees currently advertised on the QuickBooks Payments website correspond to the company’s most recent pricing schedule.

Point of Sale Pricing

QuickBooks Point of Sale Payments offers clients two plans to choose from, a “Basic” and a “Pro” plan. This option from Intuit Merchant Services is likely the most practical option for businesses as it syncs information into QuickBooks automatically without the manual entry necessary under the company’s other options. The “Basic” plan offers a swiped rate of 2.7% and a keyed-in rate of 3.4% without any monthly charges. The “Pro” plan costs $19.95 each month with a swipe rate of 2.3% plus $0.25 and a 3.2% plus $0.25 for keyed-in transactions. Though Intuit Merchant Services doesn’t charge any early termination fees, the company reserves the right to charge up to $2,500 for canceling accounts due to merchant misconduct.

Intuit’s array of pricing plans is needlessly complicated and frustrating, and numerous business owner complaints have expressed confusion with the rates and fees they are expected to pay. It seems that Intuit’s decisions to phase out its conventional merchant account branch and its mobile app GoPayment, as well as its piecemeal rollout of QuickBooks Payments over the past few years, have left it with a patchwork of contracts that apply to various sectors of its user base.

Reported Intuit Contract Terms

At the time of previous updates, representatives told this reviewer that Intuit has no early termination fee and offers month-to-month contracts. Intuit’s website also makes no mention of a service agreement length. However, there are numerous old reports from businesses stating that they had a two to four-year service agreement with a $295 early termination fee and a PCI Compliance fee of up to $100. Other complaints suggest that the Intuit Merchant Services contract has been structured so that the company does not have a specified termination fee but instead makes a large withdrawal from a client’s bank account at its own discretion upon cancellation, returning the funds after all outstanding debts have been settled.

Month-to-Month Contracts

It seems that Intuit’s current policy across its merchant accounts is to provide month-to-month contracts with no early termination fee. This pricing is competitive with the cheapest merchant accounts available. However, clients are encouraged to determine which set of contract terms will apply to them and to ask about the specific details of those terms. We also encourage business owners to check out our list of the providers of the best merchant services.

QuickBooks Intuit Merchant Services rates

Part of the Intuit rate structure

Intuit Merchant Services Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

Multiple Marketing Channels

Intuit uses various methods for marketing its credit card processing services, including email, direct mail, and telemarketing. Based upon many of Intuit reviews, there is evidence to suggest that the company uses deceptive advertising when it comes to rate and fee quotes. Numerous complainants describe undisclosed fees and confusing pricing structures through Intuit. Many of these complaints are probably the result of the company’s frequent pricing changes over the last few years (more on this in the next section). This does not compare favorably to our list of best credit card processors.

Previous Rate Quotes

In the past, the Intuit website listed misleading rate quotes by only showing the “Qualified” fee tier for swiped and keyed transactions and making no mention of the more expensive “Mid-Qualified” and “Non-Qualified” tiers. Now that the company is primarily selling merchant services under QuickBooks Payments, it does not utilize these types of tiered rate quotes. As a further point in its favor, Intuit does not appear to hire independent outside sales agents. If you suspect that the company is charging you undisclosed fees, you should consider seeking a third-party statement audit.

Intuit Merchant Services Review Summary

Our Final Thoughts and Opinions

Intuit Merchant Services rates as an average credit card processing provider according to our rating system. The company can improve its rating by reducing its complaint count significantly. This can be accomplished by improving its pricing and contract term transparency, reducing or eliminating its early termination fee, and improving its customer service. On the bright side, Intuit does a good job of resolving complaints through the BBB, and most of its customers appear to be satisfied when you take into account the size of the company. If you are looking for an alternative to the QuickBooks accounting environment, you might want to consider using a FreshBooks-integrated merchant account.

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Customer & Employee Reviews

What Others Are Saying About Intuit Merchant Services

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281 Responses

  • Gail

    I do not recall it being a major headache to set up the merchant service account but today’s lack of support was astonishing. After three phone calls and two chats; I finally found someone who knew exactly what I required and how to find it. On the negative side; I still never received a direct phone number to merchant services or email contact details and hope we never had a major issue as they clearly have no desire to deal with their clients.

  • donna randolph

    Kubinski & Associates, P.C.

    I recently got a merchant error – enter a valid zip code after a successful swipe of a credit card in merchant services. Cannot enter a zip code because it is a swiped transaction.

    • Lindsey Archangel

      Pediatric Group of Acadiana, LLC

      Same issue here. I reported it to Intuit and was told they are aware of the problem and working on correcting the issue. I told them the only way to make the transaction go through is to manually enter it instead of swiping, which costs us a higher % paid to Intuit. I asked if they would be refunding those higher %’s due to it being their fault and we are waiting on them to fix the issue. Their response was no, we have no intention to refund anyone higher %’s. As with all other issues we have with Intuit/Quickbooks, these issues take years to resolve and this will cost us alot of money by the end of it.

  • Eva

    Image Impressions

    This is crazy! A customer disputed a payment out of an honest mistake. She tried to fix it, and her bank said it was in process. On my end, I submitted all required documents: Customer’s signatures, receipts, etc. I get a communication from Quickbooks saying the case is closed (against me). I called for an explanation and nothing, and when I ask for an explanation, this is what I get by email: “Although the merchant provided name, phone, email, and address, compelling evidence was not met: name and address do not match cardholder details. Email could not be verified. IP address was not provided. Documentation does not prove the cardholder is in possession of and/or using the merchandise. Per Visa re-presentment rights for compelling evidence, minimum requirements not met.”
    The text above not only is full of crap, it even has typos! Looks like someone just typed it, but it has no essence. How am I supposed to submit an IP address, when they did not ask for one? “Documentation does not prove the cardholder is in possession of the merchandise”. I GAVE THEM A SIGNED INVOICE FROM THE CUSTOMER THAT SAYS ORDER IS COMPLETED AND CORRECT.”

    There is no appeal process, no detailed explanation of how this happen. So now I have to invoice the customer again (just because she is cooperating), pay all the merchant fees again, etc. I will probably have to go to the State Attorney General and denounce them for fraud? I think I am going crazy here.

  • Harvest A Seed

    Harvest a Seed Project

    Merchant Payment Chargebacks – Intuit (QB) allowed a consumer payment of over 6K to be reversed without cause. I had a contract, notarized agreement and copy of License to how approval of charges. Not only did they reverse my payment they didn’t even bother to help with the process.

  • Sophie

    A vendor reporting here: Intuit Merchant Services is an absolute nightmare. Nothing functions correctly. Endless errors and nonresponsive website pages, errors when I try to set up an account (it thinks I already have one) or reset password (never get the email to do so, and no, it’s not in my Spam folder). Don’t tell me to clear my browser cache or change browsers–every other financial and business program I use works fine on this browser. I can’t access tax forms or set up a quick-pay link to my bank, must wait a week for you to deposit the payment into my bank account. One of my clients changed to your service and I’m ready to drop the client because of it.

  • Rob Mee Blind

    If you use the phone with these folks you are an idiot, bottom line is they are fraudsters, you don’t matter only them…. You ready for the red tape, the inept company will gladly do everything they can to put the screws to you and your company… trust me beware…. They are worse than any company you have ever dealt with… you have been warned!

  • Shaun

    These guys are crooks, they will sink your business in a hurry. Don’t use them use somebody else,Oracle comes to mind, you will receive no empathy from these guys they are horrible, like ticks… there customer service is , it’s all about them not you they should abandon the attempt to be any sort of service and join the ranks of fraud and scammers. If you ever have a problem with them it’s all gridlock no action…. Be happy with my 30,000 of funds you hold and fight to keep for almost a month.

  • A Pencilpusher

    RatherNotSay Thankyou, LLC

    We have had a horrible experience with QB Payments, certainly unethical and aside from signing away our rights in their contract likely illegal. We processed a bank wire transfer through them over 6 figures, the funds were secure in their clearing bank withing 24 hours, they have now withheld the money for NO reason for over 30 days. Trying to deal with them is IMPOSSIBLE. They have become a horrible unethical company, our advice would not to walk but RUN. Could not be worse.

  • PayPal Terminator

    PayPal Terminator

    What all you people need to know is RISK and that is first you should never handle large amounts of money through a third party! Places like Intuit are the ones that handle the large types of transactions and associate a fee with processing the transaction. What people like Intuit are scared of is the word Chargeback. That means the person whos the card was charged, files a complaint against any charges that were made. So they panic immediately for the only reason they are under suspision that they are going to be the one’s holding the debt on the disputed amount. The buyer’s credit card company will literrally pull the money out of Intuits bank account (Chase) and then Intuit will attempt to go after you. They are scared that once the money is in your bank account either you will put a merchant hold on their merchant id or close your account.

    Secondly people on this planet are dumb point blank. They are lazy as well. They do not (a very small percentage) actually do background checks on anyone. They will get a $10k order from Nigeria and think nothing of it. And then boom! Everyone knows that Nigeria is like the top scam country in the world! Thats the problem in this world they hand out credit to any stupid moron on this planet.

    Intuit loves to play games left and right. They will hold your funds for over 6 months and litterally steal it from you making up some bs reason saying you lost the chargeback dispute. The second you demand documentation from the cardholder’s bank stating such (and the buyers bank is legally required to submit documentation and state the reason why you lost the case) Intuit will refuse to hand over that documentation. You will spend hours on the phone talking to one moron, the next day over the same topic with another idiot, and still nothing gets done.

    When you deal in business, (1) you have to know who your customer is (2) what your selling (3) what if that buyer files a chargeback (exactly what is going to happen and what your financial losses are (4) how do I lessen my exposure and expense to filing disputes.

    The fact is that the banks and credit card companys are the real scam artists in this whole credit card processing scheme. Intuit is well aware of it and is part of that scam. If you do large transactions, then consider safer methods of transfering money, especially look into the ones that do not involve a third party. The more people who get involved in the transaction, the more complicated things get. Dont ship or release anything until the money is physically in your possession and never before!

    Intuit does not care or any other company care about you, they only look at their risk and also say if or not they are making money from you. The whole credit card scheme as a merchant is a whole scam. Buyers can file chargebacks at any time for any reason. Even though its the buyer’s bank that has to review and should be going through procedures to see if the claims the buyer’s file are valid, they dont! There are documents called bank documents or issuer documents in which clearly state what the buyer had told their credit card company into filing the dispute. 99% of those documents are complete bullshit lies made by the buyer. Their banks dont care and even if you even call them out on that fraud, the buyer’s bank just pretends it doesnt exist.

    Unless you take legal action against anyone and everyone who defrauds you, they are going to look at you, laugh real hard and then continue as if nothing has happened. Buyers deliberately file fraudluent disputes on purpose to steal and the banks know this and purposely turn a blinds eye to it. Until merchants start filing complaints with the FTC and the attorney generals office against these banks, things will only get worse.

    Look at Banks like Bank of America and Wells Fargo ripping off their own customers on a daily basis. Every day you hear it in the news, its because they think they can get away with it!

  • Cameron

    AD EGY

    Holding large amounts of payments for a small business. Causing overdraft in bank account. Outrageous! Similar to the United Healthcare scandal.

  • Donna Suggs


    Our company receives a substantial amount of our invoices via credit card per year . In February of 2020 we were quoted a better rate ( via email) In February of 2022 we discovered we were being charged a higher rate than we were quoted . After calling numerous times , and our case being sent to escalation department they finally admitted they have reviewed the account and see their error. Another month has gone by and I have contacted them several more times trying to get our account credited back the over charge fee . Which is over $3,000.00.
    I have repeatedly been told some one will call me back within 10 minutes or within the next hour . Sixty seven days later , total of 7 phone calls, over 8 hours of logged in phone time (mostly on hold ) we still do not have our money refunded . To make matters worse , I have never received ONE returned phone call from merchant services . I have always initiated the calls where I have to recap the entire issue for the first 20 minutes . . I will call
    them ONE more time today. If i do not have my issue resolved we have no other choice but turn this over to our legal team .

  • Robert Anthony

    Computer Services of East Hampton

    I have contacted Merchant Services numerous times for an issue where I want to change a phone number and I ask them to call me with a verification code because I cannot receive texts on a landline phone. The call never comes. Merchant Services support was a waste of time. I will have to remove my account due to a lack of adequate support for this service.

  • Curt Hagstrom

    MP Consulting WY, Llc.

    As stated in some of the comments below, QBMS had approved my merchant account and had my debit card to deposit funds into. My first charge of 10K that was made to my account didn’t go well and have been dealing with it since late June. I have tried to resolve it the way I was instructed and it was embarrassing not only to me as well as my relationship with my client. I will now have to wait til March 2022 for it to be reviewed again. This doesn’t guarantee me the funds. My next step it filing small claims suit against QBMS. I have now set up an MS account with my bank and is seamless.

  • Linda

    QuickBooks Merchant Services want to know my personal business before they will release my QB payments into my business account. Negatively affecting my small business. ILLEGAL. Will turn complaint over to the SBA. Discrimination. I am a woman owned company!
    **Also hidden fees…

  • Kathleen Ertmer

    QuickBooks merchant services is the absolute worst I have ever dealt with. They could not get anything right after being on the phone for 4 days with them. Money was never routed to the correct bank yet the fees they charged always seemed to make it to the right account. I would not recommend anyone using this service.

  • Stan Meverick

    Don’t bother wasting your time with Quickbook Merchant services, they aren’t the worst but they are close. Have had enough of them (1) they keep screwing over merchants by mysteriously losing chargeback documents, (2) you go 120 days plus until you get your money back where as most companies give you the money back, so you have to keep track of everything you have disputed, and 90% of the time Intuit mysterously forgets to refund your money. (3) every time you call for documents, be prepared to call 5 or 6 times wasting hours plus, because Intuit loves to play games. They will pretend not to have the documents you need to defends the case and most of the times the chargerback codes or reasons are wrong, and then after you lose the case, they had the docs the whole time (3) they are highest of all services because they are backed by the con artists Chase and (4) they have no automatic credit card processing. Everything has to be done by hand, intuit is too cheap to have automatic credit card processing, so you have to chase deadbeats down that cards have declined. I’ve had it with Intuit

  • Don

    Froze my account at “their discretion” while over 7k in invoices were paid and waiting to be released. I was told that I would need to wait 270 days for it to be sent to the state as unclaimed property to receive it. They wouldn’t tell me why that it was just a business decision. So I either go to my customers and look like an idiot or I wait almost a year???

  • James Brandon

    Dont bother with this company. They love playing games when you need documents to prove a case. They love sending you the wrong documents or copies of the same ones you have over and over again. You’d think they’d know the difference between documents, but incompetient morons is what they are.

  • Debbie Bregante

    totally outrageous fees. At first, I was only paying .50 a check transaction now they want 10% or a monthly fee and 3.00 per check deposited. How do you go from .50 to 10% or 3.00? I’ll never purchase an intuit product again. I hate this company I wish there would be another bookkeeping product that can complete with their books

  • Dene Sweeney

    AWFUL! I would NEVER suggest anyone use them. I used them for many years as a business thinking since they were the processor of our credit cards they had our back. This is not the case we had a customer purchase nearly $20,000 on stolen cards. I called to double check with Intuit to make sure there is no way this was fraud or could come back. The said absolutely not it was good to place the order. So I did,I placed the order and shipped it to the costumer. Long story ends up it is a stolen card. The CC company charged back and intuit is trying charge me for it. I have not paid it back. BUT I am an LLC and my business is what is using intuit and QuickBooks. According to them it doesn’t matter they are sending me personally to collections. Mind you they didn’t call me or let me know this was a stolen card as soon as it happened it took over 30 days to let me know.

  • Diana Firey

    When upgrading QuickBooks POS, we took Intuit up on the “no strings attached”, buy one license, get one free IF we try their card processing. We did try their card processing and what a mistake! You have to wait around a week before credit cards are deposited into your account. This is purposeful highway robbery to hold onto money that long! We switched back to our regular card processor who deposits next day. But now Intuit charges our bank account $19.95 every month whether we use their slow processing service or not (I’m sure it was there in the fine print that they could do this). I am complaining on this forum but also am considering filing a complaint with The Federal Trade Commission on this unfair practice.

  • Erick

    Useless support nobody there is vested in the customer, they’re main skill set is collecting fees. Would never again use this bloated company for processing credit cards

  • Marc Porter

    Horrible experience, not unlike other reviews posted here. First payment took 3 weeks to post to my account. 5 phone calls over 5 days answering questions and sending documentation, each time being told the funds were being released, there was nothing left to do, only to find out the next day they were still withheld. I was assured after the first batch, all future batches would be cleared. Not the case. After waiting 9 days for the second batch to move from pending, it moved to “in review” just like the first batch. Another email was received requesting all the same documents already provided. This comes after spending an hour on support before the email arrives, and the support agent assuring me everything was fine and the funds would release the same day. I am not looking forward to another 5 days of phone calls to get my money. Stay clear of these guys. Use a different processor unless you can wait 2 weeks for your funds and lots of time on the phone.

    • Susan

      Funny story, I have been waiting over 30 days for QuickBooks to release my funds. I just finished speaking with yet another representative via chat for about an hour now. I had to ask if they were a bot or a human because they just kept repeating the same answer over and over. The one and only possible way that we can get funded is to wait till the end of the month to receive our bank statement. Proving that the bank did not received the money. Of course I asked for documentation in return to provide proof that they sent the money. Nope they can’t do that. I must provide my bank statement to them in order to prove I have not gotten paid but they are claiming to not have the ability to provide documentation to me. The end of the month will be another two weeks from today. At that time I am to send my bank statement to QuickBooks and then hope that they will re release the funds and then of course there will be at best, another couple days for that to get processed into my bank account. PS QuickBooks has already been paid, they collected their “processing” fee out of my bank account the day the transaction occurred. There’s got to be a law somewhere about this. Wish me luck on hunting it down.

  • Delaina Hanssen

    David vs. Goliath: I am a small (smallest) business owner using Intuit’s Merchant Services 10+ years. I canceled my account, for which I received a case number. Two months later Intuit continued to charge my bank account (still active/dedicated solely for Intuit) which caused an overdraft of $56. After an hour of my time on the phone with 4 different Intuit reps, they admit they made a mistake and would credit the monthly charges but over 4 weeks. However, Intuit is unwilling to pay the bank overdrafts – clearly due to their mistake. I am left owing $56 overdraft, plus my hour of time getting the lukewarm resolution offered. Moral of the story: while small business strives to succeed, big business gets away with cheating and sweeping their mistakes under the rug. I would like to update this review that they stepped up to plate to resolve this issue. Let’s see.

  • Tracy Obrey

    Do not do it! It’s been 17 days since payments have been processed. They told me a fraud alert came up because somebody’s card declined. After 2 1/2 weeks, 8 phone calls, every bit of information about my business, 6 scanned contracts, DL, EIN filings, phone numbers and addresses of clients, two interviews with employees. Treated like a criminal.

    This post will help: Best Merchant Accounts for Fitness Instructors


  • Jo M

    DO NOT USE INTUIT!! Especially if you have a home business. I use a UPS box as my business address. I repeatedly told into it this when I was trying to tell them I was unable to give them utility bills cell phone bills Etc with my business address on it because it was a UPS address. They refuse to listen they told me that if I couldn’t do it then I would not get my one transaction money from my customer. I asked them to close the account and they told me they would hold onto my money for almost a year (270 days) before they could decide to release it or not. Anytime I call to check status, they can’t even find my company in their database without extensive searching. They’ve purged me from the records it seems and held on to almost $1,000.

    This post will help: How to Make Your Payment Processor Release Your Money


  • Jeff Zewin

    I was charged full processing fees for payment collection and when I refunded the charge about 12 hours later I was then charged again the full processing fees on the refund amount. I collected $0 and they think its ok to not only keep the original transaction fees but then on top of it charge me again to refund it. Not good business

    This post will help: Cheapest Merchant Accounts


  • William Lee

    My business was a user of the Intuit POS and we had a merchant account with Intuit.

    We used the Intuit POS system and merchant account for several years. In 2016 we were notified that we would need to upgrade our system to be able to accept the now mandatory chip cards. After finding out the cost of the upgrade was more than we paid for the original software, we cancelled the merchant service, continued using the POS system, but used Square for credit card transactions. The merchant account was closed in August of 2016, after our last transaction on the system, or so we thought.

    Fast forward to June 2019. The business ceased operations December 31, 2018. I received an email from Inuit stating that their monthly fees were declined from the bank.. The bz checking account has remained open to clear any outstanding debts or money owed to the bz. Intuit attempted to make the charge the bank account a 2nd time.

    Now I come to find out that they have been charging the account monthly $45 for service that was cancelled.

    I called and was giving a bunch of “merchant agreement bs”, but they offered to refund me only $29.95 for 12 months (about $360), and basically told me to kick rocks over the $150 in insufficient fund bank charges they caused to run up.

    So after charging me $1395 for a service that was cancelled, $360 less the $150 bank charges I would have to pay.

    I spoke with “Kayla” (if that is her real name) at a Intuit call center in Florida (she refused to tell me what city or her last name, though they had all of my information) and she was the call center supervisor that offered the lame settlement.

    They put the blame on me that I should have called back to make sure the account was cancelled, and that their end everything is computer generated.

    They really tried hard to get me to upgrade the software and to chip reader at a heavy cost. Merchant account was cancelled at that time.

    Many better and quicker and cheaper merchant accounts to use such as Square or Stripe.

    I offered to accept $990 over the $1395 actually owed but the went from offering 6 month refund to one year, less the $15 monthly minimum charge.

    Im NOT done, I will get my $1395 plus the $150 bank charges. They dropped the ball on this several times, as INTUIT failed to followup.

    This post will help: How to Get Out of a Merchant Account Contract

  • Kelly

    Quickbooks……where did I begin! Been in business 23 years, used QB for 17 of them. Thanks to websites like yours, it saved us more stress than what we have already ben enduring. We went to the online version and almost jumped to the Merchant Services Program, but have had 6 months if pure hell with customer service with just the desktop conversion! We have lost 7 years of data, important tax data. Our only intact file is locked and being held hostage by their techs over seas. We cant get any help in the US! We have been unable to process anything for OVER 5 weeks! The online program should be renamed, it IS NOT the Quickbooks we all have learned. Its crap. And the monthly fee we are all paying is going to their R&D department while they continue to progress on a program that was out into the market place long before the bugs were worked out! Move on people Intuit has run its course.

    This post will help: Best Merchant Accounts for QuickBooks Integration


  • Penny Fowler

    It’s been a while, when I complained they cancelled me and took a $500 charge for early termination. The credit card machine they provided with no fee in writing, was charged $500 to my account when account cancelled. There are no government services to help businesses so buyer beware.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  • Brady

    I ordered a new card reader and when i got it I found out they had charged me twice and sent me 2 card readers. I called back and all I wanted to do was return the reader get my refund and have them pay for shipping because it was obviously there fault. Well the first person i talked to couldnt help me and then I got put on with his supervisor. His name was Nick, He was the rudest most ignorant big headed dingbat I have ever had the displeasure of speaking with! He refused to give me any information that could identify him and he would not pass me on to his supervisor. All he would say is he would not pay for my shipping on the product that I didn’t buy. I finally got mad enough to hang up and re call. Jaileen was fantastic, her and her supervisor were able to refund me the money and get things squared away. Owning my own business if I ever had a supervisor treat a customer the way I was treated I would have fired him on the spot. Over all I am still pissed with merchant services customer service its the worst I have ever had to deal with, but I am glad there was someone who was reasonable to deal with.

    This post will help: Best Merchant Accounts for Great Customer Service

  • Ali

    Don’t sing up for QB merchant service. They don’t have enough phone support. You will be wasting countless hours for being on hold.
    They are wanna-be merchant service company but they can’t support that.

    This post will help: Best Merchant Accounts for Great Customer Service


  • Purchasing

    The worst credit card processing company alive! Be prepared to spend an hour on hold every time you attempt to contact Intuit Merchant Services. Every single time they are changing their phone system and every single time they do it to annoy the hell out of you. Be prepared to pay the highest of all credit card fees around. Not only that if you get scammed by a buyer, good luck trying to get Intuit to defend you. They give you the run around bs statement saying they are just the processor for you and we’re this and that and never deliver. They sit around doing nothing, need bank documents for a dispute good luck trying to get them. They will lie and do nothing they don’t care about you as a merchant period! And in addition, their software for processing credit cards automatically is non existant. They have nothing that will automatically process credit cards for you. So stay away.

    This post will help: Best Merchant Accounts for Great Customer Service


  • Chris

    Seems like a recurring problem. I am a freelancer who was scammed for employment. The customer used a fraudulent credit card with information they had stolen. The money received is long gone on sources needed to complete the work. I’ve received calls from credit card companies claiming that these charges were unauthorized and now I fear having to owe thousands in chargebacks. This is money I don’t have and I fear Intuit holding me responsible and losing everything that I have. Has anyone had success in fighting these chargebacks? Can anyone help me or refer me somewhere? I’m desperate for help.

    This post will help: How to Fight Chargebacks and Win


  • Ryan Wilson

    Terrible customer service. Withheld my money from me for over a month (an invoice of over $3k that I needed to pay my bills.) When I called I probably spent 2 hours on hold each time and was told something that didn’t happen. No one knows what is going on there. Terrible experience – I won’t be using their merchant services ever again.

    This post will help: How to Make Your Payment Processor Release Your Money


  • Retail Operations

    Would never again use Intuit Merchant Services. The biggest problem is their chargeback department. This department is a complete joke, first they keep changing their telephone number and will purposely play stupid pretending there is nothing wrong. Intuit constantly changes their number and contacting them is next to impossible. If you do manage to find our way to this department, be prepared to wait 45 minutes to an hour for a simple question to be answered. Intuit has the highest fees around that we’ve ever had. If you get a chargeback most credit card company’s will credit you back once you submit the paperwork, not intuit, they will purposely hold your money for 2 months even longer. You will get no help from Intuit except hearing that its the customers credit card company that makes the decision and they will do nothing. On top of that, their software to process credit cards is so outdated so if you have an online store forget Intuit. Everything you do has to processed by hand. So be prepared to get your time wasted from declined cards and the customer running off. Intuit does not eve know what programs they support and what they dont. So any software you for an online store is not going to work. We have had it with the disputes department, like today they give us a falsified dispute and gave us less than 24 hours to respond. Legally we have 30 days to respond, but not intuit, try to call them and they hit you with this bullshxt call center that you cannot get anyone. Avoid Intuit at all costs!

    This post will help: How to Fight Chargebacks and Win


  • Dave

    Not happy with this service, but from a developer’s perspective. Integrating your own custom code for your own website is an exercise in madness. Their developer forum has thousands of completely unanswered integration questions and the examples all assume that you are only using Quickbooks Online and that you’re making an app to sell to others. The sandbox (for testing) ONLY works with QBO, and won’t show charges, nor will the Test Merchant Account. There’s little to no explanation if all you wish to do is accept credit cards on your own website (and don’t have a shopping cart where you can just buy a plugin). The other developers are nasty, competitive and tight-lipped about anything and everything (they “answer” your questions by sending links to the documentation – which, incidentally, is pathetic, confusing, or too sparse to be of any use). I’ve worked with over 100 APIs for everything from payments to accounting over the years and never had this much trouble just to do something this simple! To make matters worse, their site constantly (and, yes, daily) has problems, they don’t appear to support half the browsers out there, and they continually act like nothing is wrong. It’s hair-pulling madness. Good luck to anyone needing real help.

    This post will help: Best Merchant Accounts for Developers


  • Angela Montenegro

    Theifs. I canceled my card reader services and they continued to charge me for a yr. I filed two claims. When I call to speak with someone they ignore and stay quiet on the phone line and don’t respond. When I call back I get automatically hung up on. I will try small claims court

    This post will help: How to Report Bad Credit Card Processors


  • Ava

    DO NOT USE THIS COMPANY!!!!!! I have a construction company so once a client paid their invoice we have a project timeline…All of this was explained when talking to the salesperson. The first transaction they withheld for 10 business days (basically 2 weeks). After I had already waited 2 weeks I get a call/email stating that it had to be reviewed and once everything was done they would deposit the funds within 2 business days. In all I waited 3 weeks for them to deposit the funds- setting me back 3 weeks on my project… I should have gotten rid of them at that time; however, the agent assured me that it was a one-time event because we were new customers. SHE LIED…My next 2 projects came in and the customers submitted their payments and they are holding the funds…and every agent gives me the SAME BS and run around. I hope they shut this company down! I am cancelling as soon as they deposit my funds. I really think that they are doing something illegal with all of their customer’s money holding it that long…It’s ridiculous!!!

    This post will help: Best Construction Merchant Accounts

    – Phillip

  • Falguni

    Very awful, rates are high, and withhold money for very long time, I strongly Don’t recommend it.

    This post will help: Find and Eliminate Hidden Fees In Your Monthly Statement

    – Phillip

  • Mark J. Gabel

    I switched to Intuit Merchant accounts and it has been nothing but a nightmare from start to finish. Can you believe they actually stopped payment from one of my clients because they thought it was fraud and didn’t even bother to alert me? It wasn’t fraud.

    Next they lost nearly $700 of my money. Took me two weeks and hours of being passed from person to incompetent person. Finally they found it but so far gave NO reason for this.

    Don’t do business with this pathetic company. They have no idea what’s going on.

    From The Editor
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  • John

    Avoid Intuit Merchant services at ALL costs… Just one reason they frustrate me: If you need to process a return on a credit card transaction (even the same day!), they will charge a transaction fee for both the initial charge and the return. For a $500 sale that is returned, that amounts to $65 charge that Intuit keeps and you lose. If you wait 14 days and spend an hour on hold and threaten them, they will offer to return 25% of this fee as a one time courtesy. As a comparison, Square charges no fees in this situation and is handled entirely online.

    From The Editor
    This Post Might Help: Top All-Purpose Merchant Account Providers

  • Rick Carlock

    they held up my funds (an entire batch of $7300 for weeks to do a random review of my activity. they say they do it to all accts, so know this that at any point in time they will hold your money and make you jump through hoops to get it.
    this is an absolute breach of their fiduciary responsibility.

    From The Editor
    This Post Might Help: How to Make Your Processor Release Your Money

  • Scott Cooper

    Intuit’s Merchant Services department is rife with problems. I could go on and on detailing all the various problems with their management and poor handing of credit card processes and shoddy customer support. I will be looking for a new credit card processing company immediately. I have used many different companies to process credit card transactions with multiple companies over the last 20 years and Merchant Services is by far the worst

    From The Editor
    This Post Might Help: Best Merchant Accounts for QuickBooks Integration

  • Mary Shackleford

    Have been trying for several years to cancel our subscription as we no longer use it but are still being charge $37 a month

    From The Editor
    This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

  • Jane Banning

    Horrible customer service. Rejected a payment on 4 invoices paid from a client with similar name because they suspected him to be an employee. Customer Service agreed that there was not an issue but stated it would always be rejected in the system. 3 invoices paid by credit card were refunded, but refund never updated to our system and invoice paid by ACH transfer was held by risk dept and they would not release it. Told us that we needed clients bank to dispute it, which we did, then they tell us they will release funds, but need clients bank to send a letter stating they will not dispute it.

    From The Editor
    This Post Might Help: Best Merchant Accounts for Electronic Invoicing

  • Gina Russon

    I just found out that for the past 10 years, Intuit has been direct withdrawing $34.90 per month for using their merchant services…. thing is, I’ve never once used their services! I may have signed up for a “Free One-Month Trial” but if I did, again, 10 years ago, I would have cancelled. They can easily see that I have never once posted a credit card transaction with them – YET, they continued to take $34.90 per month out of my checking account! Don’t you think that for the $418.80 they have stolen from me per year for the past decade that they could have one time sent me a letter or called me to say that “we notice that you are not using our services, but that you are being charged for services that are not being used”? They have never tried to contact me – not by phone, not by letter and not by email. If you currently do business with them, or are even considering doing business with them…. I would highly recommend you look elsewhere – ANY other company other than Intuit for your credit card processing – or should I put it as Credit FRAUD processing! What a joke this company is! I have filed a complaint with my bank, with the Better Business Bureau, and will continue to post anywhere I can about what a total SHAM business Intuit Merchant Services is!

  • lee willard

    Used intuit quickbooks for customer credit card charges. This has been hands down the worst customer experience ever. Place them on speaker phone and continued my office duties…..On hold for 1 hour & 15 mins. Then finally an ans. apologizes for the excessive hold time. Then the phone magically disconnects. I call back on hold another 45 mins. Apologizes transfers me to another sector …on hold another 25 mins. A useless rep answers. My advice ….find your own credit card processing company. A merchant nightmare

    • Annie

      Major issues with Intuit Merchant Services. I manage three of these for three companies and it has become a nightmare. Payments are repopulating over and over on the deposit download link and there is no way to delete these. If they are downloaded again in an effort to move them off the Merchant download page and also causing duplicate payments plus errors in the bank account ledger, the payments then re-populate as if never downloaded. Cannot get any help or resolution from Intuit Merchant Services – even if you get an Intuit rep on the phone after holding nearly one hour. The first answering rep is overseas who cannot assist at all, then you get transferred around and still no help. A REAL NIGHTMARE

  • Claudia Nascimento

    Worst customer service ever – 45 minutes to 1 hour for someone to pick up the call. Several issues processing transactions and having to contact over and over even after issue explained. When thinking issue has been resolved then another email to contact again. Very disappointed with Intuit!

  • Alison

    We’ve used Quickbooks credit card processing for about two years now and haven’t really had any problems – with the exception of two or three invoices going to the wrong people. We find the hardware to be easy to use, customer friendly since we can email or text receipts; and we haven’t had any problems with getting funds on a timely basis.

    I do have to admit that customer service is a little on the complicated side if you’re doing anything but asking a question. If you need technical support, be prepared to spend at least a couple of hours on the phone.

    Overall, though, we’re very happy with it. One problem has just surfaced though – the two people who process cards have acquired IPhone X which has no earphone port. Haven’t approached QB about alternatives yet as it just happened today. Hopefully they are ahead of that curve.

  • Dave McIntosh

    Moneris currently has a set up fee refund on the processing of the first $2500.

    19 years running a business and I have never had such a terrible experience with a supplier of any kind. Same as so many others. Decided to switch from the merchant services company I had been with for the prior 6 years without a single charge back to Quickbooks for what appeared to be an easier process. Put the first charges through for 16000 and got an email from the risk dept. Spoke to a very nice person, explained my business that deals with multi national companies whose reps are allowed to use their expense acct cards to pay the invoices 30 days after I ship and invoice. After a 10 minute conversation I am told everything is fine and she will put through a request to raise my limit to 60000/month. I then proceed to process a further 14000 a week later on the same card and I get another email. This time they insist on seeing the invoice and bank records and the rest of the list. Now after telling me my online copy of bank statements are not sufficient I went to the branch and have them print a copy and stamp it. Still not good enough. Now after 4-5 hours on hold and talking to 4 levels of supposed bosses; Even with 6-7 times the amount of the charge in the bank and a 6 figure LC and not a single charge back in my history, they decline to process the payment after holding the funds for 3 weeks. Now I have to go through whatever arduous charge back process they have.
    Moneris contract was signed before they ever declined it as I was never going deal with them again.

    Do not be fooled by the no fee easy process. Spend the time and get a serious Credit card Merchant Service.
    Do your homework first and read reviews. This is for very small companies with small low risk charges. A large number of similar complaints can be found in the review section of many merchant services review sites.

  • Danielle

    I run a small software business and have used Intuit for many years. We’ve had nothing but problems with them. Any time they update their software, something gets broken. Customer service NEVER cares that their errors disrupt our business and the services we offer our own customers. They won’t speak to us without our tax id and our bank account number. They are incompetent and many times rude. My average wait time is 30 minutes and average overall phone call is one hour. I can call three times and receive three different insufficient resolutions. Beware, and stay away from this company at all costs!

  • NoMoreINtuit

    Today I’ve decided to no longer accept or process via Intuit. There are several factors in which I do not like about their services. First is there high fees. They are the largest fees around. Second they have no automated way of processing cards. Everything has to be done manually and good luck trying to chase buyers down because of a declined credit card! The biggest reason is their charge back policies. If you sell online you might want to listen to this. First and foremost, dealing with Intuit you are at the biggest risk of getting screwed left and right. With Intuit, if you receive a chargeback, Intuit will not notify you until 10 to 14 later after it happens, leaving you out both the money and the product. With every other company you hear about it within 48 hours, not with Intuit. They have the chargeback in there hands the second it happens, and they hold onto it for 2 weeks! When a chargeback happens, they give you no documentation so you can support your claims and catch the buyer lying and trying to rip you off. You’ll lucky if you call and you get a 1/2 page of what the buyer said to their credit card company. Its your legal right to obtain the documents, you have to call every single time to get whatever documents they have. If its in their possession, why dont they send it? they dont. And above and beyond, no other processing company does this, but Intuit will hold your money for over 2 months after you respond to the dispute. So you have to keep track of every single dispute and write it down. After getting 2 BS disputes today, from buyer’s I’ve had enough with Intuit, they waited 2 weeks to inform me and they didnt even inform me, I had to notice 2 amounts about $200 being taken out of my bank account, not to mention, other disputes I’ve won and they are still holding onto my money. I’m switching over to another processor startign today.

  • Josh Goodman

    I have been using Quickbooks Online for years and finally had a reason to try out the merchant services. Unfortunately the experience has been difficult and a waste of time. Any “suspicious” activity results in the funds being held. In this case, it was our first transaction and apparently that was suspicious. Then after an hour on hold (in a single call) I was able to provide the explanation of the transaction, and low and behold, they decided to refund the funds to our client. I have yet to get a satisfactory explanation, and our client now has to go back through the payment approval process within their organization to make another payment. I was also told that these holds could happen more in the future, especially if we receive more funds than we would typically receive in a given month. Long story short, don’t waste your time with this service.

  • Robert Price

    Have used the Go Payment app on my tablet for my service business. After viewing my checking account statement recently I noticed they started charging my account 9.95 a month for PCI. I had no idea what the charge was for and immediately tried to call, after spending hours on the phone I never once got to speak to anyone. Fed up with the service I signed up with another company. It has taken quite a while to be able to speak to a live person. Was told the charge was for my protection. Closed my account immediately. Good riddance.

  • Suzette

    TERRIBLE customer service!!!! They processed my customer’s card 2X. I was literally on the phone for over an hour. While I could reverse the charge onliine, I can’t take away the angry customer or the two extra processing fees that I had to incur. (They refused to refund them). Looking for another merchant service.

  • Eric Tessmer

    Customer service is pathetic. Easily an hour wait to talk to someone. They constantly are requiring software upgrades that are expensive. We have randomly lost ability to process cards, at least a couple times a year. Horrible company

  • retail

    Been using Intuit for years. Its not good for online ecommerce business that’s for sure. Everything you do with Intuit has to be done by hand. that means if a customer goes to your site and the card gets declined or no address match, you might as well throw away the sale. Their chargeback department is another joke. You get chargeback notifications 2 weeks after the customer files it, which means your product is long gone into the customers hand and you have both the money and a $25. They dont bother to update you on anything. You have to call in to get bank documents which should of been already included in the notification since they were sitting on it for 2 weeks. They promise to refund you fees which they never do, their chargeback department doesnt bother to send you an email or document stating the outcome of the dispute. We’re moving away from Intuit due to their poor service to established customers.

  • Claudia Fuentes

    Intuit decided to hold funds from going into my account without letting me know ahead of time. My business does kitchen and bathroom remodeling. My client took the day off to have his kitchen floor installed. Because the funds were held back I was unable to pay for the flooring for this project. I had to move the date back. The people at intuit merchant serviced did not seem to care when I called to ask what the problem was. They could not explain why they were doing this except that I had a $10,000 min to deposit which I did not come close to that amount for them to do this. Now I have to wait 2 days to get the money. I pay this company $20 a month to do transactions and a high% which is normal on top of that. Stay away from this company it seems easier to use with QuickBooks but you will pay a pretty penny for the commodity. The customer service had me on hold for 45 min and at the end just said oh it’s our job to review you. I asked how to I pay for these materials. She said “I can’t tell you how to run your business”.

  • Leigha Shepard

    After processing transactions through Intuit merchant for two years, I received a call today that they are shutting me down because we are a financial services company and thus an unacceptable business type. Two years later? Don’t you think they would have noticed “financial” in our business name when the account was set up? No warning and now we have to find an alternative service. Was on the phone with them for over an hour to even discover what was going on. No one seemed to know and they gave me some bogus reason the first time around promising that someone would call me back…of course, they did not. Would highly recommend you think twice before signing up with this company. I will be moving my books to a different system as well. Terrible company and terrible customer service.

  • George Steele

    I came to this service after years with another at the suggestion of a friend. Not a good experience. I was unfortunate in that my first transaction was a check that came back NSF. Long story short, they closed my account because someone else wrote a bad check. What’s worse, I had to talk to 3 layers of employees and spend 2 hours on hold just to find out that the check bounced, which they could have told me up front but declined to do for reasons I do not understand. I can’t recommend this service, and I wish I had checked their reviews before wasting my time with them.


    The WORST. After signing up for the service, I had two clients pay several invoices via bank transfer. Each transaction sent me a confirmation that payment had been made and about 5-7 days later, I received a notice on every single one that they had been “unable to locate account”. Both clients repaid each invoice (6 in total) a second time, and again I received confirmation. Again, a few days later I received notices that they were unable to locate account. Clients paid a THIRD time (thank goodness for their patience!). After over an hour on the phone with Intuit support, they basically said there was nothing they could do nor could they cancel the third transactions while they were “pending” so that clients could pay by check or Venmo. At this point we are three weeks waiting on funds!Then I receive a call from Intuit with a case number and I log in and realize they’ve disconnected my account without even telling me. They’ve withdrawn all the funds from the clients at least 5 days ago and now the only way they’ll release them to me is if I send them a copy of my driver’s license, business license AND utility bill (which is not in my name). To prove that I’m a business? You haven’t minded being my accounting software for the last three years and monitoring tens of thousands of transactions across checking and credit card accounts and now you’re wanting to verify I’m a business? How about that EIN that’s entered in my profile? The credit card you bill monthly? The checking account you record all my other invoice deposits go into? This is ridiculous. Never again!

  • S. Thomas

    Intuit is coming after me for a $5300+ chargeback that was their fault. I don’t have the money nor do I have the funds to hire an attorney. I am afraid of loosing my company. I bring in less then $1000 a month. I would love to be involved in a class action lawsuit if one is created. I don’t want to loose my company and I will never be able to pay this in addition to the $3500+ in merchandise that was shipped, received and signed for that was purchased with this cc. Intuit approved the transaction and deposited it into my account within 3 days. It wasn’t until 2-3 months later that I got the chargeback and since the name and cc number on my records do not match the true identity of the cc owner, Intuit is not going to pursue a rebuttal for me. They just paid it without my consent and even before I got the chargeback notice.

    • Julie Moore

      I had a similar experience. My customer, a small college, charged back a purchase they made and had delivered, because they didn’t” recognize the charge. We were sent a chargeback notice and we quickly remitted everything we had INCLUDING the phone conversation of the person placing the order, naming the cardholder and giving us her information. It seems that because we didn’t identify the cardholder in the billing address section, they refused to honor the charge and would not send this on to Visa, etc. We were, however, able to contact the customer, get a different card and run this through our online merchant system. Never again.

      From The Editor
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  • mike

    I guess I will echo many of the previous comments. My first transaction with Intuit Quickbooks was a total disaster. A client of 10 years was my first Intuit Quickbooks credit card services user. Intuit took their payment, withheld their funds from me, waited 3 days to contact me and then requested 6 months of bank statements before releasing the funds. They said minimum of 2 days to review my bank statements before deciding whether or not to release the funds.


  • Mark Johnson

    Phillip man. You have to help us here. I just found this site and I feel very very bad for everyone here. I was snake bit as well. They want $40k from me. My police force won’t call it criminal but they know it is. Lawyers and court costs are the only way we can stand up to this criminal injustice. I’m in if you want to go class action!

  • Kare

    OMG!! WTH? So QB changed their software which they neglecting to inform us. We run a multi-million $ construction company. We received a check for $89k.
    I called the number that was on the screen to find out why our check was being declined. The guy told me they changed the service and they’re only accepting checks upl to $50k limit. WTH? The customer service rep told me to call the customer and tell them were going to break open the deposit. Sounded strange. Were in our home in Georgia and our company is in Hawaii, where our bank is too. So we decided to send the check to Hawaii and have one of our guys deposit it. He deposited in on personal acct (btw he’s a construction worker) on a Friday. So I figured I would use intuit to write a check to deposit to our business acct.
    On Monday I noticed the funds had been removed from our personal acct but the funds I wrote through intuit was being withheld along with 3 other checks. Almost $100,000.I had a surgery on Tuesday and I figured everything would work through by the time I healed. So on Friday nothing had changed. So I called Intuit and asked what was going on. I was asked about the funds I took from our personal acct to our business account. I was told that was unacceptable. Yes its not the best practice but had they informed us of the changes this would have ended up differently. Then the other funds they are holding haven’t been released either. So I had to send 6 months of our banking statements, and the invoices and contacts for each deposit that is being with held. So I did and they said we had to wait 48 business hours. Finally on Wednesday they refunded our personal check. I was being very patient and I figured it had been well over 48 bus hours. I called and they said they are waiting on the invoices. The auto-response email they say ‘We’ll let you know if there is anything else they need they’ll let me know’.
    Why didn’t the tell me. So now our funds have been on hold over a week. Another 48 hrs. So irritating. So Friday I called and asked if they have everything and the guy claimed they did and if they need anything they’ll either call or send an email. Hopefully tomorrow they’ll let know something because it’ll be over 2 weeks that they’ve been holding our money.

    We’ve also been using this service since 2011 and were very happy with the service but this has left me with a horrible memory and I don’t know if we’ll be able trust this service again.

    Intuit should be totally ashamed that they’ve done this. We’ve paid good money thousands for their services. We get credit card payments over $100k.

  • Chris

    This is probably the worst service in the market. My first transaction was flagged a “periodic review”. Had the service only 2 weeks, horrible customer service. They want their money but want to hold yours. It has now been 8 days for a small charge and I feel like a circus animal jumping through hoops to receive my money, and still haven’t received it. I would never recommend this company to a small business, they will let you go bankrupt waiting on payment. They do not care for their customers at all. Please look at other options before using them.

  • Michael

    I sold a very expensive piece of radiology equipment to a doctor, delivered it with a one-year warranty. The doctor called Intuit and asked for the last payment back and Intuit gave it to them. Now Intuit is asking me to personally pay the chargeback despite the fact the doctor received and accepted the equipment and the fact that the contract was non-cancellable and no refunds in clearly stated on my website and in the contract they signed. Intuit says they have ever right to do it however when I asked for proof that they actually sent the money to the customer, they grew quiet and unresponsive and turned it over to a collection company.

  • Joan

    Reliability is terrible, servers go down often. Have you over a barrel if you use their POS, have to use their cc processing. Upgrade to newest POS and they change your merchant account number without them transitioning anything from the old to the new. Even Risk Mgmt thinks I’m a new customer. Migrates to new servers during business hours thus causing down time in US businesses. Automatic service charge to me of $25 if customer disputes transaction . . . customer not aware of where his children shop. Charge the customer Intuit, not me, the system approved the transaction. Takes 7 days to get approval of my third store . . stores one and two have been using IMS for 10, yes 10, why must I go through full approval again? Ridiculous! POS and IMS should speak to one another when developing new software versions, they work in silos and IMS customer services admits “I don’t know anything about POS” I could go on and on . .

  • Susan Southcotte

    They are horrible. My first deposit they withheld the funds from my customers payment and refused to reverse it. I have called and e-mailed many times. I think my customer is going to have to dispute with her credit card company to resolve this. A week later – still unresolved.

    • Tony

      Any updates?

  • Alex Sivar

    After many solicitations I decided to go with QB (Quickbooks online payment) payment option. First three charges went well although rates werw very high I liked it for the conveniences. However on the 4th charge from a very loyal clients of mine. QB sent a generic note that “due to some unusual activity, I was to supply 12 item accounting reports including last six months bank statements.It was utterly cumbersome and especially when I was travelling was almost impossible. I asked them simply refund the money so client can pay me with cheque. At this point QB ‘s indifference started to surface. All calls I have made were placed on hold for average 45 minutes. In addition to this they closed my account where I could not go in and refund the customer myself. They said as punishment for not sending documents they are going to hold on the funds for 7 months. I made 12 overaeasexpensive calls to resolve no one helped.
    I strongly suggest not to get involved with this option and go to the competirion.
    Quickbooks cheats..

  • Mike Faulkner

    My merchant account was hacked in November 2015. Intuit has been horrible to deal with and have placed my account with a collection firm for $7500 After this ordeal all Intuit wanted to know is work out a payment plan. I may end up having to pay but I’m not there yet.

  • Jason Sees

    Intuit Payments SUCKS! Why did they switch from IPN? No one knows, probably to gouge their customers sideways. Now I cannot download online transactions into my company file, I have to enter each manually because of some error that is “known” but is not going to be resolved. I.E. they have no fucking idea whats going on. What a joke. Somebody please show me an alternative.


    Update/Commentary –

    My original post was back in 2014 I believe and I have been involved with some of you offline discussion our relative experiences with Intuit Merchant Services. I am going to share another experience I had with a person who called me based on a referral from Intuit (I just went along to see how things were going to go).

    In a nutshell when he (guy from AZ) was asking me about my Merchant Account stuff I shared that I used to be an Intuit Merchant Account holder but based on my experiences would never do business with them again in that regard. His response: “Intuit Merchant Services “suck” and it’s why I don’t use them either. I get referrals but use other services. Intuit is good with Quickbooks but their Merchant stuff is not reliable, etc.”

    Only the last sentence of his quote was paraphrased.

    So if you ask me; I would tell you to NEVER use Intuit Merchant Services. Period.

  • Mike Diaz

    To all who were affected by Quickbooks Merchant services hack in the fall of last year please contact me directly, you can find my information at Hightide pool Service llc located in Cambridge Maryland. I have legal representation contacting me today, if you would like to be added to our groups growing list we would like to speak with you.

    • Trish

      Mike we have been fighting a seriously ugly battle with Intuit over our information being hacked from their end. Please update me as to this battle you are having, We have some great proof against them, however in the process they are destroying our credit, and our reputation. Thankyou. Trish in Arizona

    • Kim

      I too have been hacked and am a victim of this hacking

    • Gene Johnson

      Buyer beware! Intuit’s Merchant Credit Card Processing is a losing situation. Not only did I get ripped off by them, as did a lot of others, but they have now put these fraudulent charges against me personally and filed against my personal credit rating. i’m screwed! Intuit is stating that I owe them almost $19k of money that some hacker accessed our account and stole. The hacker tried to get $46k, but Intuit was nice enough to catch $32k of it, but with their charges and fees, are “Demanding Payment” from me for the remainder! Intuit Sucks! They are in it for themselves and this proves that they have poor security, especially if this has happened to so many people. I’m in for a class action suit, they need to be punished.


    I think folks should do the following:

    a) file a police report; b) file a complaint with the BBB; c) contact state attorney general; d) go to any trade association in which they have a membership; e) congressional delegation for their state.

    I had to go through the MN Attorney General’s office and they sent a letter. Now it still costed me quite a bit that I did not recover but if the opportunity such as a Class Action Lawsuit presents itself I am all over it.

  • Caroline

    Intuit provides the worse service possible to their clients. If you provided this type of service you’d be out of business, but these jackasses have a captive audience. Know and research before you make a committment to these jokers! They charge a ton of service fees and “discounts,” take money from you with no warning, and when you call in to cancel a service, they keep charging you! Forget about getting your money within 24 hours, it can take up to 72 hours to get your money while they play around with it. NEVER again. I hate credit card merchants and this is the worse one. Lying bunch of theives.

    • Beth

      My small business has the exact same issue going on with Intuit. Wanting us to pay over $30,000 in chargebacks that never went into our account . They allowed somebody to open up account in our name. They have sent us to collections. Any advice would be greatly appreciated.

      • Kim

        Same here. I am I. Collections. And the want to settle, I have to research further. Settling is an admission of guilt. They have a vulnerability in their network allowing bank account ts to be changed.

    • Nic

      Hi I was thinking of switching to Intuit from my bank for merchant services. They quoted me 3.2% and only .25 per transaction and 19.95 monthly service fee. No other fees or surcharges. I am guessing from reading these ratings that this is not true.

      • Sonja Polster

        I received excellent quotes also and was thinking about switching. Seriously considering not doing it. That just sounds like way too many problems.

  • Gene Johnson

    Intuit Merchant Services credit card processing company has turned into a nightmare. They are not to be trusted. About three months ago now, I had received an email stating that a payment for an amount I had not processed was going through to my bank account. When I logged in to see if I had made a mistake, I saw that over $40k in charges had been charged using what appeared to be stolen credit cards. When I called Intuit, which I had to see the mistake and make the call to them, they assured me that the account and charges would be stopped and frozen. They also informed me that my bank account had been changed, so the $40k+ in money was going to a different bank account than mine. They told me I was to do nothing, and wait for them to respond back to me, they would handle it. So, I waited. I received multiple charge back notices from them, so I called to see where things were and if they were able to catch who had done this. The service tech told me that I am responsible for re-paying the money back to the people who had their credit cards fraudulently used, and that I should have read my “Terms & Conditions”, as that explained that Intuit was not responsible for any fraudulent activity. When I read my “Terms and Conditions”, I saw what they said, but also saw that it stated that any suspicious activity, unusual or high risk activity, they would suspend the account. I went with Intuit thinking they were someone I could trust so something like this wouldn’t happen. I was using the processing center for about $1,000 per month on a normal basis, this $40k+ worth of charges happened in 3 consecutive days, and ended up being over 20 separate charges.
    To me, that counts as suspicious, and unusual activity, especially since I never received the email or contact that my bank account had been changed.
    So now, they are demanding that I pay back the charge backs plus their ridiculous fees, $200+ on each one.
    At this time, I have my local authorities looking into it, and trying to get any information out of Intuit is next to impossible. They keep passing you on to someone else who can “help”, and know one ever seems to be able to help.
    I can’t prove it yet, but I honestly feel that this has something to do with Intuit internally, and is just one of their scams, hoping i’ll pay them back. Intuit has never sent any other correspondence, or anything that proves what really happened, so I feel like this is a scam on their part. I had been using them for the past 2-3 years, but will never use them again and recommend against anyone using them for anything.

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    • Karen

      I have the same story as Gene….same month….guess i will give the authorities another call….I received $18,000 worth of chargebacks! And again yes I am responsible….ugh!!

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      • Gene Johnson

        Karen, I received another email this afternoon, stating that I owe $18,858.00 in charge backs and penalties, and my account is past due, and of course, its all my fault. I forwarded this onto my sheriffs office, and he will pass it on to the FBI. The FBI did let the my officer know that he is also working on other cases with the same complaints.
        So if at all possible, please pursue this to your authorities and hopefully they can contact the California FBI, and hope they can get to the bottom of this.

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        • mike

          Gene, there are many of us in the same situation, there are multiple complaint forums however none will allow us to leave our contact info. I’m in Cambridge Maryland and I own a pool store. Please attempt to reach out to me.

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          • Gene

            MIke, I guess all I can say is be persistent with your local sheriffs office, that Intuit is ripping us off.
            My sheriffs office sent Intuit a subpoena, which they did not respond to, and he then gave the FBI in Wisconsin a call, who then called the California FBI, which he in turn replied that there are multiple cases regarding the same sort of incident.
            Since Intuit has ruined my trust, I want to help, but am not sure i will be able to contact you direct. As of now, am leaving it in the authorities hands, and truly believe that some good will come out of this.
            If i do get anywhere or if some sort of Class Action suit comes of this, i will definitely post it on this site.
            Thanks and good luck!

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        • CC

          Hi Gene,
          I have received multiple payment demands as well but for over $41K in chargebacks and penalties. There is a police detective working on my case. Didn’t have much luck with the CA Attorney General office. Is there a case number, contact name or something to reference when contacting the CA FBI to connect all of us individuals going through the same thing with Intuit? I’m very interested in passing this info onto the Detective working on my case.

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          • Pauline in CA

            The San Bernardino County Sheriffs Department is taking care of our case, here is the case number, 111514807. I’m going through the same thing and am waiting to hear back from the detective. If there is any other information you find out to do about this please let me know!

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    • Emily

      Gene, I’ve also been getting chargebacks to the tune of $17,000 now. Intuit of course is claiming they’re not responsible for any of it. I’ve reported everything to the FBI’s IC3 department, but so far haven’t heard anything from them. You say the FBI is handling multiple cases like this? If this is true then maybe a class action suit is possible. I’m in Pennsylvania, by the way. I haven’t contacted my attorney general – do you think that would be helpful? I am interested in participating in legal action, if taken.

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      • Gene

        Emily, at this point, all the information I have, which isn’t much, is with the FBI. Intuit has never given me any sort of an explanation, report, or anything related to what is going on, how it happened, or exactly when any of the actions took place. The only thing I have to go off of is when I found out what happened, and saw my account that day, and the absurd amount of Charge Back Notices they’ve emailed.
        Soon after I made the initial phone call, Intuit blocked that account so it was not available to me any more. As I mentioned, my local Sherriff’s office sent them a subpoena, which gave them 30 days to comply with, and they sent nothing. Which tells me that they are definitely hiding something. I haven’t heard back yet from the FBI, but am still talking with the sheriffs office, and he said its probably going to take a while to get this figured out. His response to me was to wait and see what the FBI comes up with, and then proceed from there. I hate having the feeling of owing someone money, but I guess when it was stolen, and never in my possession, I shouldn’t feel bad.
        Intuit sure tries to bully you into feeling guilty about it though, really a sucky situation.
        It is just beyond belief that they are trying to pin this on us, as it is just bad business practice from Intuit, and will probably hurt us as small businesses, what a joke!
        As for a class action law suit, I’m in, but as I mentioned, the sheriffs office has asked that I wait to do anything until we hear back from the FBI.

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    • Pauline in CA

      Basically same story, same time frame Nov 2015, located in So. Cal , made a police report, got a case #, continue to receive emails with charge backs and fees. Lost over $16K of payments for services provided, hackers charged over $30K in fraudulent charges and now receiving letters from Intuit….Letter one dated 1/20/16 Second Notice immediate payment required $3206.99, letter two dated 2/4/16 Third notice immediate payment required $6751.99, letter 3 dated 2/17/16 Final notice blah blah blah…$11,276.99… am I the only one think WTF?? First of all I NEVER got a first notice…and in a 30 day period they quadrupled the fees….INCREDIBLE! Intuit treating their merchants worse than the criminals. Sad but true!

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      • Le Shang

        Hi Pauline,

        I was able to reach out to Mike in Cambridge, Maryland, as well as another gentleman based in Florida. It seems there’s TOO MANY instances of us being hacked and fraudulent charges being made the responsibility of the merchant, rather than Quickbooks/Intuit. Something is wrong here. I’m based in Pittsburg, California (Northern California), and with Mike and Gray we are trying to organize everyone who does wish to approach legal counsel with our package and see if this merits class-action.

        My story is similar to everyone’s except my “financial liability” according to Quickbooks isn’t as high at $2,774.45, however, I don’t believe in paying it, because QB reached out to me saying there was suspicious activity and that my bank account was being changed too frequently. Then I started receiving emails from individuals and businesses saying that they received charges from me. My account was terminated yet Quickbooks is holding me responsible for the charge backs and has forwarded my file to collections. I don’t respond kindly to their strong-arm tactics. Ridiculous….

        • Beth Bay

          I am in the same situation as many of you . My account was hacked as well . I am very interested in information on the class action suit . My business is in the panhandle of Florida .
          Any information on this we greatly appreciate it .

          • Eric McNamee


            I work for a merchant services provider up in Gulf Breeze so I’m local to your office. If you’d like to contact me regarding your hack please do so as I’d like to see exactly how it happened. Have you run a local security scan of your network or opened an email about a past due invoice that was attached in a zip file?

        • Pauline in CA

          Keep an eye out on your mail for the next few weeks, My total “owed” quadrupled over a three weeks time. I am definatley interested in joining but would rather not be in charge, of any and all legal action against Intuit. My office # is [REDACTED -personal contact information] please feel free to call me directly to discuss this. I still have not gotten anywhere in my investigation. Thanks, Pauline

        • Trish

          Le Shang, my story mirrors almost all of these same time frame of fall 2015, We do have some good evidence against Intuit that proves how breachable they are. In dealing with them they sent us a complete strangers information, enough we could take one of them to the bank if we were that way. It was accidentally sent to us in response to us requesting the information they had on us. They are into us for $64,000. 2 identiacal 19,999. type charges all made within 24 hours, on some other bank across the United States from us. Please update me on any progress anyone is having. They have crippled our credit, and hurt our business due to collections. Thankyou. Trish

    • Mike

      I found out last month that they did in fact dump the “balance ” on my credit report as a collection, you all know financing is next to impossible once that is ther. This is extortion, I am in the process of dumping quick books and migrating over to xero.

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    • Kim

      I am in the exact situation as the rest of you My case has been going on for 7 months and my husband wants to settle just to be done with it. I disagree. My merchant account was hacked, they got over 3K in sales for a week and fraud cards to the tune of 18k. Intuit was able to get some of the chargebacks refunded but I’m stil liable for the balance on top of my losses. Is there a case with the fbi I should know about. My local law enforcement filed a police report for me, for grand larceny for my area. But wouldn’t file anything else because of the jurisdiction.

    • Kim

      Adding to my previous comment. My hacking happened in July of 2015 and August, we called in on August 1 noticing something was wrong. We were told by customer service there was suspected fraud on our account. We told them to shut the account t down, we were told they couldn’t as
      The risk/fraud dept. was closed this was a Saturday. They literally let the fraud continue. Now I’m on the hook for thousands. Apparently their risk/ fraud dept. is only open Monday-Friday to 7:30-4:30pm. There has got to be a way to get this investigated. I got the same bs about the terms and conditions and they were contracted to shut the account down.

    • Beth

      Please keep us updated on your status .
      My small company has the same story as many of the complaints on here. It actually sent my company to a collection Agency .
      they are insisting we are at fault . We had a credit limit of $5000 daily. The charges that were made almost triple that in should’ve been a red flag . I had no knowledge that another account was opened up or the charges were being made .
      This company is terrible!

    • 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!

    • 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 for $40,000! So if anyone knows of an attorney handling a joint claim about this, please let me know.

      • Mike Diaz

        Mary, please read my post above and contact me.

  • Nancy

    Store owners, beware! We own a school band and orchestra store that gives lots of music lessons. The store celebrated its 40th anniversary last year, and our city’s mayor proclaimed a special day to mark the event. This year, we are defending ourselves against a charge by Intuit Corporation that we stole nearly $40,000. (We didn’t.)
    In October 2015, we became aware of a computer fraud involving Intuit’s merchant service center. As the crime unfolded, it seemed almost cartoonish in its scope: two credit card charges of $19,000 each (when our average ticket is $80); nearly $40,000 of charges in a few hours (when we’d set our account limit for a whole month to $10,000); credit charges (when we do nearly 100% bank transfers.) In our opinion, it was clearly fraud, and we diligently notified Intuit Payment Systems.
    Over a three-month period, Intuit Merchant Services customer support staff repeatedly told us, verbally, not to be concerned, that our account wasn’t at risk. Imagine our surprise when we received a bill for $40,000 in January, with threats to turn the account over for collection and legal action. We were accused of having stolen the money ourselves.
    We were told by Intuit’s Collection Department that the fraud worked like this: one of our store emails was compromised. The thief used the stolen address to email Intuit Payment Systems and request a change to bank routing information for our store’s Intuit Payment System merchant services account. Intuit Payment Systems, we’re told, verified the change with an email requesting the last four digits of the owner’s social security number and birth date. We never received the email, but the thief did, and replied with the requested information. Intuit changed the bank routing information, two $19,000 credit card charges were submitted using stolen card numbers, and Intuit sent nearly $40,000 to the thief’s bank account.
    We aren’t merchant services experts, but in our opinion, Intuit made it pretty easy for the criminals to alter the bank routing information. Again, just our opinion, but we thought Intuit Payment Systems was committed to respecting the limits we had set to protect our business. We also believed that Intuit was monitoring the account for fraudulent transactions.
    In the end, the credit card holders’ banks refused the false credit card charges and returned charge-backs. Intuit was presented with a $40,000 bill, and they sent the bill to our small music store.
    We are trying to work out a settlement agreement with Intuit. While we wait to see what this multi-billion dollar, international corporation will do next, we’re grateful that the fraud didn’t impact any of our customers’ accounts, just the store’s. We have been thankful for support from our local bank. We’d recommend fraud insurance for any store owner, and we’d recommend careful choice of a merchant service provider.

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    • Gene Johnson

      I want to tell you all about my story, I published yesterday, before reading all of these that are related to almost identical. Except when my account was hacked, the hacker charged over $40k in charges, 20+ times, over a 3 day period. I have a $6,000.00 per month limit, and yet I had to actually catch the wrong and make the call to Intuit. This happened in November of 2015, which Intuit also told me that I would have received an automated email telling me my bank account had been changed, which I never did nor can I find it.
      I waited for a few weeks, and gave Intuit a call again and they told me that I am responsible for the over $40k in fraudulent charges plus their ridiculous fees for each one.
      I contacted my lawyer, local sheriffs office, and bank. The local sheriffs office sent a subpoena to Intuit, with much delay, and is still waiting for any information. What really gets me, is that Intuit has never given any thing other than an email and telling me this info over the phone. No real explanation in writing, a typed letter explaining the situation, nor any real detail as to the actual amount total, or any dates as to the account change.
      So at this point, my local sheriffs office has now contacted the FBI in California, and they informed us that this is happening to others, which I have now read and see that this is definitely a problem with Intuit.
      If you haven’t yet, please call your local authorities, and see if they will get in touch with the FBI to let them know that there is something suspicious with Intuit, whether it be a lack of customer support or internally corrupt, but something more needs to be done, as Intuit is not in it for their customers, only themselves.

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    • Beth

      I was curious if you come to an agreement with Intuit. Your situation is almost identical to ours.
      We had a $5000 limit and they allowed someone to open up another bank count in charge for $30,000 a fraudulent transactions .
      we were also told not to worry and then sent a demand for us to pay the chargeback .
      I have currently sent us to collections .
      Still believe this is something internally going on within their company . There are too many stories exactly like ours .
      Thanks for your time and I look forward to hearing your response .

  • Daniel Cormier

    A customer of “Quickbooks online” for over 2 years with a great relationship. Until… I get an email to say that a batch deposit of $9,830.00 was being deposited into my account. Only problem is that I hadn’t processed any cards in since beginning with intuit with exception of two initially to test the waters and only because I was sent the reader without my request of such service. Two years later (current) a fraudulent batch is processed using that account and to which I am being told am completely responsible for the balance and that all of my future revenue will be held until that figure is recovered by them ! The story twists and turns in too many ways to print here but the overiding theme is unimaginable hold times, to get conflicting misinformation or at times 3 hours of hold time to be told I have the wrong department and the like over and over and over. For 39 days and counting. My income in transition was swallowed up by them, my deposit account was attempted to recover roughly 10k dollars in an account that had less than $100.00 incurring 120.00 in NSFs. Of which half of those funds that were attempting to be drawn from me were in reserve at intuit to be repayed to the matching cards that were disputed, essentially double dipping and their answer is that “the system” does that automatically and they have no control! Well guess what someone is resposible for programming that injustice at intuit! So revelations are made (can’t confirm intirely to be factual) and I bow to the notion and agree to a repayment plan to own their loss and am told that my bill pay service will be restored within an hour by two different representatives 12 hours apart (after much more aggrevation). Now a third says 3-4 days It’s Dec. 18th! It is my opinion that a well run company would have resolved this issue in a matter of 2 weeks tops instead I am at the 39 days, still unresolved and now I have 25 invoices in cue essentially nearly all of my efforts for that time waiting to be processed with little to no income with a 3 1/2 yr. old, a 9 yr. old and a 15 yr. old expecting Dad to provide Christmas and it now looks as though my access will not happen soon enough for me to send and recieve those payments in time to provide the kind of holiday that no doubt all of the “intuit” employees will enjoy. Seathing anger and frustrations without bounds. It is my new goal to tarnish intuits efforts as they have so carelessly harmed mine.

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    I am hearing all of these stories and have my own similar type experiences which I typed here. I think it is time to formulate some sort of plan bring a class action against Intuit. It is utterly absurd what this company has done. My own experience was such an outright lie on their part, what they did with the over $27,000, the hassle it caused my company, the fact that I had the MN Attorney General’s office send them a letter, that I am thankful I am no longer doing business with them.

    So what would be the next steps?

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    • CC

      How did you get the MN Attorney General’s office to help you? I contacted the CA Attorney General and they said I would need a private attorney since they only deal with consumer issues and not ‘business to business’.

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      • BGTSLLC

        Not sure if you got my reply when you I saw your post but in MN I had to call them; they filled out a form and it went from there. It ended up costing me at least $5-6K because I had to cover additional stuff; etc. Then 5-6 months later they shut my account down because I wasn’t processing anything; which wasn’t true. I was processing regular monthly stuff; the guy on the phone looked it up and said yes you are right. When I asked him why he stated – “We can’t deal with the past. We can either move forward, or you can go somewhere else.”

        I knew what was about to happen next and it did.

        “Sorry we can’t use you because your credit score is to low.”

        Pssh. My bank had ZERO problem when I signed up with them.

  • Chris Smith

    Our account with Quickbooks merchant services was hacked. We were charged back by someone for $4,500. Intuit also charged us several hundred dollars in fees for the charge backs. Intuit said they know the bank but can’t tell us that. They must have the bank account and a way to track who is running this scam. Their customer service told us they can tell it is a breach, but told us to get a lawyer as all of these charges will go to collecitons unless we pay them. (And of course its a few dollars below our insurance deductible for data breaches).

    • Eric McNamee


      If your account was hacked then multiple accounts were hacked, unless you were specifically targeted. Do you run QuickBooks desktop edition or online edition?

      If you’re running the software locally then you may have downloaded malware that was designed to detect account access information. If you think about it though someone else using your QuickBooks to charge a card for $4,500 is kind of a waste of time considering the money would be deposited into your account, not the entity that developed the malware (whether a group or individual).

      If you are on QuickBooks online then your network may be infected with similar malware and gained access to your online account. However if your network nor computer were infected and the breach is on Intuit’s side then the problem is far larger than you can imagine. Can you be more clear on what happened?

      • pam

        Chris and Eric

        my merchant services was hacked as well, this definitely was a security breach on intuits end, I only used gopayment, I had nothing
        integrated, I do not use QBO. Several other people have reported the same issue on intuit’s facebook page and the consumer affairs website with everyone reporting similar stories of banking info being changed, email accounts be changed or rerouted somehow and none of us had gotten any communications from intuit to verify the account changes were done by actual account owners, in my case intuit allowed fraudulent charges to process through my account for 12 days, there were single charges upwards of 15,000.00 and my processing limit was only 25,000.00 so in first three days after the hack my limit had been crossed over and still nothing from intuit, during this time I only had a couple of legitimate card sales through my business and didn’t really think anything of it that they were taking a little longer to post to my account as this is not unusual either for intuit….sometimes they post in a day other times it’s a week. My account is set up for in store purchases only, I do not do internet sales or card not present sales of any kind which according to intuits own merchant services agreement you must apply for and be approved for an account that would handle such transactions, yet every fraudulent charge that they processed was obviously through an avenue that did not require the use of my card swiper and in the 4+ years that I have been using gopayment I have never had a card sale more than 3000.00, in fact average swiped card sales for me is between 400.00 and 2000.00 and again according their own published security measures they supposedly monitor this type of activity so if something out of the ordinary should start to appear they can notify us, well I guess three suspicious charges in 2 days totaling more than 37,000.00 didn’t look suspicious enough or out of the ordinary from my usual charge habits to warrant a phone call or an email or anything to validate whether the charges were in fact mine, needless to say I immediately closed the bank account associated with the merchant services account so to date I am in negotiations with the risk management to have this resolved internally, but haven’t come to an agreement yet, because I refuse to back down and be held responsible for any of the chargebacks that have not been recovered, since this incident and other reported incidences which all seemed to have happened in October during the same time frame of the 7 through the 22 intuit has tried to cover this up and furiously back pedal by adding an “extra” layer of security by sending emails containing a code which you now must enter to verify everything about your account which has been an epic failure…again check out all the posts on their facebook page, but yet they continue to put the screws to the people who got hacked….lets not forget this is the same company responsible for the turbo tax hack, yet they deny, deny, deny. so we’ll see what happens!

        • Beth

          Hi Pam,
          I was wondering if you were able to resolve your issue with Intuit? I have almost the exact same issue with same timeline.
          Please let me know.
          Thanks, Beth

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          • Bryan Giere

            I am not paying Intuit and am also requesting that Intuit pay me the $10,650 of intercepted legitimate transactions. I continue to receive bills from Intuit and have yet to resolve the complaint.

            Are you with Intuit? Learn how to resolve this complaint.

          • Pam

            no Beth, we have not come to a resolution yet, I contacted the office of the president which immediately “escalated” my case to a risk manager and we have been back and forth, and I have told them out right I will not accept any agreement to pay any fraudulent charges, and have told them “WE” are all very aware of each other, many of us have been in contact with each to share information. as usual communication is less than stellar and I have been dogging the manager assigned to my case
            and last week when I got no response from her I tracked down the CEO’s Linkedin page and send him a message….15 minutes later i received a phone call from his personal assistant,…next day I had an email from my case manager, with no further information of course but that they are still “investigating” ….so that is where I stand at the moment, but they have not heard the last from me…I will keeping pushing and pushing, if I don’t get a satisfactory agreement, I will move on to the board of directors!

            Are you with Intuit? Learn how to resolve this complaint.

        • Karen

          I also have had my account hacked to the tune of $16,000. They changed my account # and bank without any notification to me. They claim I received an automated email but no record of it anywhere on my computer. I asked for a copy of the email and it is very impersonal and unprofessional. I deal with intuit for Quickbooks and payroll and no problems, but whoever they have doing their merchant processing, needs to be fired. I have notified Lifelock, the FTC, the local police, and the credit bureaus. However, not getting anywhere as of yet. Just the simple fact that a bank account can be changed without lots of security measures in place should be of great concern for everyone. I see there are lots of these reviews with similar stories. Something needs to be done. I definitely would not recommend them to anyone!

          Are you with Intuit? Learn how to resolve this complaint.

          • Sharon

            OH my gosh, me too! We have been negotiating the charge backs because my small company can not afford the $20,000. of fraudulent charges they say I now am responsible for. They want me to pay at least 55% and sign a confidentiality agreement and waive any rights I may have under section 1542 of the California Civil Code. I have no idea what to do; my lawyer bills are racking up and I feel like I may lose everything.

            Are you with Intuit? Learn how to resolve this complaint.

            • Josh


              Seems to be the thing. I have used the payment solution for the past 5 years. Never really had any big issues. Then bam. My account gets used with charges and scams and no amount of calling, chatting, emailing. Anything! Gets anything resolved. They put all the blame on you and want you to be responsible for paying them. Even though one of the fraud department reps looked into my account and could tell it was fraudulent activity. We agreed to close the merchant account which left me hunting for another option in a limited amount of time. The rep told me not to worry about Any charges as he could see the account that was used to charge almost 17k was fraudulent. I assumed they would handle any further issues with the fraudster and their bank. Okay. Time goes by and I moved on to completely new software and merchant service. No longer use qbo or anything associated with them. All of a sudden I receive an email stating I owe them. Calls were made to me asking that I resolve this balance (I had no balance) then I received a snail mail letter stating I owe them and it’s going to collections if I don’t pay up. Before I could even try and formulate a plan to resolve this, it was put on my credit file and dropped my points significantly (I have no debt on my credit file other than my ongoing cc’s and mortgage and such. But nothing owed or negative until now. It was a total nightmare dealing with these people. They were rude, demanding and non concerned about what I went through dealing with this with my business. Totally unhelpful. The attitude from the beginning was crazy. Getting any kind of documents is unreal and impossible. I tried to get what I could for police, bank and lawyer. Only to finally receive an email saying files can be subpoenaed at such and such. And that took me near twisting arms to finally get. I’ve dealt with them for 5 years and then this. Several times over the years I had some small issues but moved on from it (really because not wanting to have the hassle of moving over to a new merchant or program. Looking back now. I wish I would of done some research on intuit. The payment solutions anyways. I would of NEVER gone with them. I still receive emails saying my business owes a balance when I do not. I have reported them on every site I can. I’ve called an attorney, disputed my credit file, reported the fraud and intuit to my local government and will continue to persue anything I can to make this go away and hopefully help others that are having such an awful experience with them..

          • ck

            I’ve had the exact same situation as everyone here on this thread. Fraud first occurred on in late Sept and early Oct-they changed the bank account and routing info on my account as well and Intuit says an email was sent but I received no such notice. I have filed a police report and received a 3rd notice and threatening to send all these chargebacks to an outside collector and damage my credit report. Unfortunately about $800 of legitimate charges got directed to the hacker’s account too along with $80K he/she charged on 4 credit cards in their possession, all $19,998 each. All fraudulent monies were NEVER in my possession but Intuit continues to try to collect from me. Per Intuit’s Merchant Agreement, you can write in for an investigation of billing errors which I did but it came to the same result and at the time the fraud occurred, Intuit’s security was very lax. I noticed they updated all their agreements (Acceptable Use Policy and Merchant Agreement) as of November 2015 and put in place a significant amount of security measures now. Next step is to get legal representation.

            Are you with Intuit? Learn how to resolve this complaint.

          • Emily

            I’ve also been dealing with this, and have been put on the hook for the tune of $15,000 or so. They say I’m responsible for the chargebacks, full stop, no negotiating. Is anyone planning a class action suit of any kind? Why should we have to pay out for crimes committed AGAINST us?

            Are you with Intuit? Learn how to resolve this complaint.

    • Bill

      I have had a chargeback due to card not present, sent Intuit all emails and substantiating docs (due by 11/16), how long does the process take?

    • Bryan Giere

      My account was hacked, bank routing info was changed and I was never notified. The same people that changed my bank routing info also set filters in my email so I wouldn’t receive notifications from quickbooks. I insisted quickbooks shut down my account which the rep said wasn’t necessary. The rep said I needed to buy new software to fix the issues (which I did for $741.99) yet fraudulent charges continued. After about 25 hours dealing with quickbooks they finally suspended my account.
      Unfortunately quickbooks laissez faire attitude has done some serious damage. Currently $83,496 in fraudulent charges have been paid out and $10,650 of legitimate transactions have been intercepted. Now quickbooks is billing me for the charge backs?
      I alerted quickbooks to the suspicious activity immediately and asked that the account be suspended. Furthermore my account states that my limit is $35,000/month (it also states that I can continue processing beyond $35,000 unless suspicious activity is detected). I have used quickbooks for about 25 years and have never processed more than $35,000/month yet all of a sudden i exceeded that in 2 days. Seems suspicious to me! My bank account has remained the same as well and all of a sudden that changes. Another red flag yet quickbooks let it continue.

      Are you with Intuit? Learn how to resolve this complaint.

    • Beth

      This has happened to my company as well… They are claiming we owe them over $25.000. They have allowed someone to open a bank account in our name. They also will not give us any information. Please let me know if you were able to resolve your issue.
      Beth B

      Are you with Intuit? Learn how to resolve this complaint.

    • Pauline in CA

      Dealing with the exact same shit!!! Desktop QB merchant account was hacked Nov. 5-13th 2015. QB alerted me after my bank account and routing # was changed twice. They told me same thing do nothing so they can investigate, meanwhile the hackers charged over 32K worth of charges and My 16.300.00 of legitimate charges, I was told were being held. Come to find out just yesterday $8912.00 was actually funded into the hackers account and and the $7400.00 they say is now $4500.00 because of charge backs and fees. And the $8912.00 is just gone because it funded into an account, apparently it doesn’t matter who’s account!!! We are a small service type business, that keep in mind, labor and materials have already been paid out of pocket for these jobs and QB thinks $4500 out of $16300 is better than nothing. WRONG ANSWER!!!! I’m SO sick of dealing with this!!!!! but it does give me a little comfort knowing that we are not alone! QB tried to tell me how it was my fault< I should've been monitoring my account, monitor what?? it got hacked through them, not me! I can't even access my merchant account now, it just disappeared, but I did run reports before they hid it to me so I can see all of the fraudulent charges :) YAY ME! Oh ya and all the charges the hackers charged were on the east coast, yep…I've gotten phone calls and been accused of stealing their credit card #'s!!! All my jobs are within 25 miles of my office in CA!! I have notified my 3 customers of the situation equaling the 16K and one just called me and told me her CC said they will not reverse the charge, she can't deny the charge, they are not refunding, and not to pay me an optional way, but to wait for this to be resolved. I don't see this ending anytime soon and I'm Pissed! I'm all for the class action! I'm filing a police report and probably need to contact a lawyer too. Sucks!

      Are you with Intuit? Learn how to resolve this complaint.

  • Nancy

    I think its time to start a class action law suite against Intuit and stop their stealing from the small businesses. This is BS. 3000.00 stolen from our company and intuit says its your fault and we are not giving the money back even though there are receipts showing these charges were legit and belong to our company.

    • Eric McNamee


      If Intuit removed $3,000 from your account out of nowhere then it’s possible that it was a chargeback. A chargeback is where the cardholder or issuing bank disputes the validity of the transaction. Typically if the cardholder disputes the transaction then the funds are removed from the merchants bank account and a dispute resolution form is mailed to the merchant. If you did not receive this notification in the mail or via your online access then it may be too late to contest the chargeback.

      If you have signed receipts for the transaction then contact Intuit’s chargeback department. With your online access you will see a notification for a “case event” which is a clickable link to see when and why the chargeback occurred. They will fax you a chargeback dispute form with a case number to which you will have to reply with the signed receipt along with a detailed description of the transaction. If the chargeback sides with the bank customer two times then the dispute escalates to the card brand (Visa, MC, DSQ, AMEX) directly as a final verdict. If it’s an American Express chargeback though you may be SOL because I have yet to see a merchant win a chargeback on an AMEX transaction. Hope this helps your scenario.

      • Chris S.

        My situation was a little different. We never did charge these amounts to anyone. We just suddenly got hit with “chargebacks”. $4,500 worth of them. We have never charged any credit cards with the numbers or amounts they say. The problem I have is Intuit won’t help us resolve this by tracking down the cards that were involved and the bank accounts that were used. This was a data breach on their part, I believe, and they told us to get a lawyer and issue a subpeona to them, or this would go to collections and they would damage our credit. Why can’t Intuit track this down or at least notify the FBI? It seemed to me intuit doesn’t have anyone to deal with this, so they just pass it on to their customer. Yet I can’t get anything out of them to start investigating any of this.

    • Mike Diaz

      I went through the same thing back in August. As a small business I don’t have the financial resources to simply pay the extortion rates to quickbooks. I did close my account only after the second breach, now I am on the hook for $4ooo.00 in charge backs I never collected. I think I speak for all of us not having the financial means to keep paying for fraud on their end. So after 2 hours on the phone with them I closed the account, I told them I was not confident that they had my best interest in mind and didn’t want them taking money that didn’t belong to them. As they were verifying my account again…this is when they noticed that the hackers changed my account info. This was the second phone call with them, it hit me that they possibly are allowing this to happen to collect early cancellation fees (possibly).

      So if any of you want to start some dialogue for a class action lawsuit please contact me at the email provided.

      Are you with Intuit? Learn how to resolve this complaint.

  • Jasmine Francis

    I stumbled on this page as I was looking for the Intuit website to refer a friend of mine to their services. I am really surprised by all of this negative feedback. I’ve been an Intuit merchant account client since opening my professional firm 12 years ago and have had no problems. If I must recount my earlier years, I did have a few problems, but I can only assume that it was because the account was new. There were holds placed and limits set that I abided to, and over the years, I’ve seen those limits removed.

    When you apply for the account, you tell them how much you want to process and they approve you for a certain amount. I was approved for $8,000 earlier in my relationship, and should I go over that amount, the deposit was held for a week. Now, I’ve charged upwards of $15,000 without problems. I can only guess that, after 12 years, they now realize I’m not a risky client. Even when I had one horrible client allege my charge to her card was unauthorized, I was able to present an exhaustive amount of supporting document to show that that horrible person was lying and was just trying to get out of paying me.

    In any case, I felt I needed to be at least one positive voice in an ocean of naysayers as I frequently recommend Intuit to friends and clients. I only use the virtual terminal, however, so I’m not sure how much my experience would differ using their other services.

    • BGTS

      Yep that is how the relationship started for my business as well and I was with them for 8 years. Never had a single problem PERIOD; always processing and then BOOM gone. Had to file with the Attorney General’s office. Then they just shut me down without any notification saying I hadn’t processed enough even though I was and they even acknowledged the error then refused because suddenly my credit wasn’t good even though it was.

    • Justin Hobbs

      Now there is what they are calling a “glitch” where they charge a customer’s card twice. Really? It is not just that, the charges go through twice once for the valid charge and then again for the next customer. so…… you don’t get paid for the second one unless you call that customer and try to explain. Good luck keeping that customer or the one that was charged twice..

  • Cindy Turner

    I am writing this to not only get this issue resolved but to also warn any business that attempts to use this merchant for credit card transactions for their company. Normally I have used Cornerstone, with epn mobile processing and have never had a problem but I saw this for my husbands small business, Intuit Quick Books Payments and the fee was cheaper so I thought I would give them a try. So we signed on with them. In the past week of having the card reader they sent, which was free so another reason we were inclined to use them, we have ran 3 transactions. Each of which are being held. The funds have in fact been taken from our customers bank account, because I called and verified with them. HOWEVER Intuit Quick Books payment’s are holding that money.

    I have contacted them several times today to resolve this. One call to them and I was on hold 1 hour and 5 minutes, and I am not exaggerating because I recorded the time and took a picture of it. The phone died and I had to call back late for a hold time of 1 hour and 20 minutes. Once I got through they said they are holding the funds until they can verify our business, which I then gave them not only our State business license number but our contractor number as well. They then said they needed to verify the customer authorized the charges. Which is preposterous because it was a direct swipe with the customers signature. They proceeded to request an invoice, customers billing information and their phone number. Theses were on the invoice they asked me to send. My husband later in the day gets a phone call from an upset customer of ours saying that the company called them and put them on a 28 minute hold and wanted to verify the transaction. They then told the customer that his authorization wasn’t enough and they needed to be in a 3 way conversation with not only them and him but he needed to get on the phone with his bank and they could talk to them. They to this moment have still not given a release on our withheld transactions. They will not only cause frustration and not deposit funds that have been taken from customers bank accounts but have you on hold for 2 and a half hours, call your customer and make them upset but cause you lots of problems. We have still yet to receive our funds.

  • Karen Fredricks

    First off all, you pay exorbitant fees for the convenience of integrating to Quick Books. I have had nothing but problems in the 15 years I’ve used this service. I receive no notifications of any changes to their system or pricing. I closed a bank account several months after opening a new one, made sure all transactions were going to the correct account, and then a year later 10K worth of funds went to the closed account. I just upgraded to the newest version of Enterprise because my Intuit merchant service account would no longer work with v2013 only to find out that I can’t use it with v2016 unless I pay for a $900 support plan. I am a single user.


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