The Steda customer portal compared with QuickBooks Payments
Both let a customer pay an invoice online. They differ on whose account the money lands in, whose branding the payer sees, and what a large bank payment costs.
What QuickBooks Payments does today
With QuickBooks Payments, Intuit is the processor. The money moves through Intuit, the payment page is Intuit, and the rate is on your Intuit account. The Steda portal is not a processor. Payments run through your own Stripe account, on your own subdomain with your own logo, and Steda never holds the money. Steda charges a platform fee on top of what Stripe bills you directly.
The bank payment fee on QuickBooks Payments is one percent, and whether it is capped depends on when the Payments account was opened. Intuit does not publish the rate on its own pricing page, which invites you to call for a quote, so the only reliable figure is the one on your own account.
The comparison
| Capability | Steda Receivables | QuickBooks Payments | Verdict |
|---|---|---|---|
| Who processes the payment | Your own Stripe account. Steda never holds the money. | Intuit. | Comparable |
| What the payer sees | Your subdomain, your logo, your statement, your supplier documents. | Intuit's payment page. | Steda leads |
| Fee on a bank payment | Steda charges 0.5 percent, capped at $5. Stripe bills you its own bank fee separately. | 1 percent. Whether it is capped depends on when your Payments account was opened. | Steda leads |
| Fee on a card payment | Steda charges 0.5 percent. Stripe bills you its own card rate separately. | Intuit does not publish a rate on its pricing page. | Comparable |
| Is the rate published | Yes, on the pricing page, one rate for everybody. | No. The pricing page asks you to call. | Steda leads |
| Payment written back to QuickBooks | Written back to the invoice, with the payout reconciled to the bank deposit. | Recorded in QuickBooks directly, since it is the same company. | They lead |
| Autopay | A customer can authorize autopay, and it runs on your policy. | Recurring payments are supported on recurring invoices. | Comparable |
| A returned bank payment | Reverses as its own entry, and the invoice goes back on the aging. | Handled inside QuickBooks. | Comparable |
| Disputes raised by the payer | Raised from the portal, and the chase pauses while it is open. | Not part of the payment page. | Steda leads |
| QuickBooks Desktop | Full support, including Enterprise, through the Web Connector. | QuickBooks Desktop 2023 was discontinued after 31 May 2026 and can no longer process card and check transactions. | Steda leads |
| Monthly cost | The portal is inside Steda Receivables at $199 a month for the first entity. | No monthly fee. | They lead |
Read from the other product’s own documentation in September 2026, with sources at the foot of this page. If something has changed, tell us and we will correct it.
Where QuickBooks Payments is the better answer
- There is no monthly fee. If you take a handful of payments a month, a per-payment rate with no subscription behind it is cheaper.
- It is the same company as your ledger, so the payment is recorded without connecting anything.
- It is already switched on for most QuickBooks Online companies.
- If your Payments account still carries a capped bank fee, that cap is worth keeping.
When Steda Receivables is the wrong purchase
- You take few payments online and do not chase invoices. The portal is part of a collections product.
- You want Steda to hold the money or to be your processor. It does neither, and you will need a Stripe account.
- Your invoices are too small for a fee cap to matter.
If one of those is you, say so on the call and we will tell you so.
Questions
Is the QuickBooks bank payment fee capped or not?
What does Steda charge?
Does Steda hold our money?
Can we use both?
Sources
- QuickBooks Payments pricing (Intuit), which publishes no rate
- Intuit staff answer on the bank payment cap and the September 2023 change (QuickBooks Community)
- QuickBooks Desktop 2023 service discontinuation policy (Intuit)
Steda is not affiliated with Intuit. QuickBooks is Intuit’s trademark and is used here to say what Steda works with and what it is being compared against.
Other comparisons
Steda Registers and Fixed Asset Manager →
Fixed Asset Manager ships inside QuickBooks Desktop Premier Accountant and Enterprise at no extra cost and calculates depreciation on six bases. If it is working for you, keep it.
Steda Registers and QuickBooks Online Advanced →
QuickBooks Online Advanced has a fixed asset feature that creates a schedule and posts book depreciation every month on its own. It is useful, and already in a plan some companies pay for. The gap is the tax book.
Steda Receivables and QuickBooks reminders →
QuickBooks already sends reminders, and for a short aging that is enough. On a long list, the same three emails go to the customer who always pays and the customer who never does.