Sphere vs QuickBooks
    Invoice Payments, Pricing & Features

    See how Sphere's lower invoice payment fees — 0.8% ACH capped at $5 vs. QuickBooks' uncapped 1% — stack up, plus a full pricing and feature comparison.

    Best Value

    Sphere

    $25
    per month
    Unlimited users
    Monthly Price
    $25/mo
    Unlimited Users
    AI Financial Assistant (ask questions about any of your data)
    Branded Invoices
    Credit Card Fees (Online Invoice Payments)
    2.9% + $0.30
    ACH/Bank Transfer Fees (Online Invoice Payments)
    0.8% (max $5)
    Double-Entry Accounting
    Chart of Accounts
    Financial Reporting

    QuickBooks

    $38
    per month
    Per user pricing
    Monthly Price
    $38/mo
    Unlimited Users
    Requires $75/mo plan for 3+ users
    AI Financial Assistant
    Limited and confusing AI functionality
    Branded Invoices
    Credit Card Fees (Online Invoice Payments)
    2.99%
    ACH/Bank Transfer Fees (Online Invoice Payments)
    1% — no max cap
    Double-Entry Accounting
    Chart of Accounts
    Financial Reporting

    Lower Payment Processing Fees = More Money in Your Pocket

    Invoice payment processing fees can add up fast. Here's how much you save with Sphere compared to QuickBooks.

    ACH / Bank Transfer Fees

    For large payments, ACH bank transfers are the preferred method. But uncapped percentage fees can eat into your revenue — especially on $5,000+ invoices.

    Sphere
    0.8%, capped at $5
    $5.00
    on $10K payment
    QuickBooks
    1%, no cap
    $100.00
    on $10K payment
    You save $95 per $10,000 payment
    Process 10 large ACH payments per year? That's $950 in your pocket instead of payment fees.

    Credit Card Fees

    For smaller or urgent payments, credit cards are convenient. Sphere offers the same low rate for all card types — including Amex.

    Sphere
    2.9% + $0.30 (all cards)
    $29.30
    on $1K payment
    QuickBooks
    2.99%
    $29.90
    on $1K payment
    Competitive credit card rates
    Sphere charges 2.9% + $0.30 for all card types including Amex, very competitive with QuickBooks' 2.99% rate.

    Real Savings for Small Business Owners

    If you're processing $50,000+ in ACH invoice payments per year, you could save $470+ annually on payment fees alone by switching from QuickBooks to Sphere — on top of getting a better price on the software itself.

    Why Choose Sphere?

    Best Value

    At $25/month with unlimited users and the lowest ACH payment fees in the industry, Sphere offers the best value and chance to save money compared to QuickBooks' $38/month per user pricing model. Save on both software costs and payment processing fees.

    AI-Powered

    Our AI Financial Assistant helps you understand your finances in plain English, a feature unique to Sphere.

    Modern & Intuitive

    Built with modern technology and a focus on user experience, making accounting accessible to everyone.

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    Ready to make the switch?

    Start your free trial today. No credit card required.