A lower-cost alternative to QuickBooks in-app Payments

Keep QuickBooks for accounting. Move payments to Cobalt to reduce processing costs and still get clean invoice payment posting and reconciliation.

Card + ACH acceptance

Invoice payment posting & reconciliation

Implementation support

Bulk payments + recurring options

Secure tokenization / vaulted payment methods

Transparent reporting

The QuickBooks Payments “convenience tax”

If you’re accepting payments directly through QuickBooks invoices, your processing costs can add up fast.

  • 2.99% for cards & digital wallets on invoices/recurring/requests

  • 1% for ACH bank payments

  • 3.5% for keyed-in card payments

  • 2.5% for in-person card reader payments

Cobalt helps you keep the accounting workflow you like—while giving you more control over payment economics.

Why Cobalt

Cobalt is built for businesses that want to save thousands on invoice payments. Instead of being locked into a single embedded rate card, Cobalt helps you:

  • Lower effective processing costs (especially as volume grows)

  • Support card + ACH for invoice payments

  • Maintain posting/reconciliation into QuickBooks through a purpose-built sync workflow

  • Avoid switching accounting systems just to change how you get paid

How the QuickBooks sync works (NMI Bill Connect)

Send invoices in QuickBooks. Get paid through Cobalt. Reconcile with less manual work. Bill Connect connects with QuickBooks Online, QuickBooks Desktop, and Xero, enabling online payments, bulk payments, automated invoicing, and reconciliation.

  • Collect credit card & ACH payments online

  • Automatically mark invoices paid in the accounting software

  • Bulk pay support for batch invoices

  • Tokenization / vaulting supported via NMI Customer Vault requirement

FAQ

QuickBooks publishes standard rates including 2.99% for cards/digital wallets on invoices and 1% for ACH bank payments, plus other transaction types (keyed/in-person).

Yes—many businesses keep QuickBooks for accounting while using an external payment provider and integration to post and reconcile payments.

NMI describes Bill Connect as connecting with QuickBooks Online and QuickBooks Desktop (and Xero).

Yes—Bill Connect supports collecting credit card and ACH payments online.

Add your internal onboarding timeline. (NMI mentions training/deployment ranges in support materials—if you want to use that, we should align with your actual delivery model first.)

B2B Payment Experts

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