QuickBooks users are provided a plug-in called BillerGenie that fully integrates with your existing QuickBooks account. When you create an invoice in QuickBooks, BillerGenie automatically sends out an invoice by email that contains payment links. If your customer chooses to pay by credit card, then the cost of the credit card transaction is added to the invoice and passed through to the card holder - instead of you. If the customer chooses to pay by ACH, then there is no cost to the customer or to you. So regardless of which payment method your customer chooses to pay with - you are not charged anything for the transaction. The cost of the BillerGenie plug-in is only $25 per month, and there is no long-term commitment.
NOTE: If you are NOT a QuickBooks user - that's OK! BillerGenie works as a STAND-ALONE invoicing/payment solution as well!