Researchy KEEP rows for FreshBooks, Wave, QuickBooks, and Xero (Stripe-powered). Dollar titles from official fee pages. Monthly software typed $0, never baked into per-sale KEEP. Planning only.
| Rail | Official fee | KEEP on $100 | Hub |
|---|---|---|---|
| FreshBooks ACH | 1% (Select caps may apply) | $99.00 | /freshbooks-ach-keep/ |
| FreshBooks Amex | 3.5%+$0.30 | $96.20 | /freshbooks-amex-keep/ |
| FreshBooks Visa/MC | 2.9%+$0.30 | $96.80 | /freshbooks-keep/ |
| Wave Bank ACH | 1% (min $1) | $99.00 | /wave-bank-keep/ |
| Wave Starter Visa/MC | 2.9%+$0.60 | $96.50 | /wave-keep/ |
| Xero Stripe-powered | 2.9%+$0.30 | $96.80 | /xero-payments-keep/ |
| QuickBooks In Person | 2.5% | $97.50 | /quickbooks-in-person-keep/ |
| QuickBooks ACH | 1% | $99.00 | /quickbooks-ach-keep/ |
| QuickBooks keyed | 3.5% | $96.50 | /quickbooks-keyed-keep/ |
| QuickBooks Instant Deposit | +1.75% on payout | $98.25 | /quickbooks-instant-deposit-keep/ |
Keep $96.80 Shopify vs accounting rails on $100 -- Start Shopify (Impact · FTC: affiliate) Compare Shopify $96.80 vs FB ACH $99.00 (Impact · FTC: affiliate)
FB ACH $99.00 FB Amex $96.20 FB Visa/MC $96.80 Wave Bank $99.00 Wave $96.50 Xero $96.80 QB In Person $97.50 QB Instant $98.25 Stripe Pay by Bank $98.20 Real rate Day rate guide Disclosure
FreshBooks ACH $99.00. FreshBooks Amex $96.20. FreshBooks Visa/MC $96.80. Wave Bank $99.00. Wave card $96.50. Xero Stripe-powered $96.80. QB In Person $97.50. QB ACH $99.00. QB keyed $96.50. QB Instant Deposit $98.25. Official sources. Monthly $0 not in KEEP.
Caps may apply on Select plans — typed on the hub, not invented. Default starting KEEP uses published 1% with no cap assumed.
Shopify Impact affiliate. FreshBooks PartnerStack Pending — no PartnerStack Network. See disclosure.