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Four vs QuickBooks Payments Comparison

Last updated:

Four

4.6(5 reviews)

Starting at Contact for pricing

  • Large Enterprises
  • Medium Business

Four is an innovative tech company focusing on giving customers the option to buy now and pay later as well as a variety of purchase financing solutions. We design eCommerce plugins that enable Retailers to offer their c…

QuickBooks Payments

4.4(16 reviews)

Starting at $12.50 /Month

  • Large Enterprises
  • Medium Business

QuickBooks Payments is a payment processing service that makes it easier for your customers to pay you. It's all online, 24/7, so you can immediately start receiving funds from your customers. There's an option to choose…

Four leads on user satisfaction with a 4.6-star rating across 5 reviews.

Four vs QuickBooks Payments — at a glance

FeatureFourQuickBooks Payments
Rating4.6 / 54.4 / 5
Reviews516
Starting priceContact for pricing$12.50 /Month
Free trial No No
Free version No No
Best forLarge Enterprises, Medium Business, Small BusinessLarge Enterprises, Medium Business, Small Business
CategoryPayment Processing SoftwarePayment Processing Software
PlatformsSaaS/Web/Cloud, Mobile - Android, Mobile - iOSSaaS/Web/Cloud, Mobile - Android, Mobile - iOS
API—Available
Support modesOnlineBusiness Hours, Online
Certifications——
Data residencyUS—

Key differences between Four and QuickBooks Payments

  • Pricing: QuickBooks Payments starts at $12.50 /Month. Four pricing is not publicly listed.
  • User satisfaction: Four scores higher with a 4.6-star average.
  • Deployment: Four supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS; QuickBooks Payments supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.

Four vs QuickBooks Payments — find the better fit before you commit.

01

Which tool fits your team best

02

Which is actually cheaper for your team size

03

Where each product wins, per real buyers

Most Payment Processing Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.

Four - Buy Now Pay Later Platforms
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QuickBooks Payments - Payment Processing Software
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Talk to an expert

Free PDF comparison

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Four vs QuickBooks Payments: Biggest differences

Start here before you go deeper into features.

Four

Best for eCommerce retailers needing flexible buy-now-pay-later payment options.

Choose if
  • You want to offer customers diverse and flexible payment methods to boost sales.
  • Your team includes eCommerce managers or finance professionals managing payment solutions.
  • You operate a small or large business with online sales channels requiring configurable plugins.
Consider alternatives if
  • Your business lacks an online sales channel or eCommerce presence.
  • You require transparent, fixed pricing and simple, out-of-the-box payment integrations.

QuickBooks Payments

Best for

Large Enterprises, Medium Business, Small Business

Four typically suits Large Enterprises and Medium Business. QuickBooks Payments tends to fit Large Enterprises and Medium Business better. The right choice depends on your team size, workflow, and whether a free trial matters.

Description

Four is an innovative tech company focusing on giving customers the option to buy now and pay later as well as a variety of purchase financing solutions. We design eCommerce plugins that ... Read More about Four

QuickBooks Payments is a payment processing service that makes it easier for your customers to pay you. It's all online, 24/7, so you can immediately start receiving funds from your ... Read More about QuickBooks Payments

Entry Level Pricing

  • Not Available
  • Starts from $12.50

Free Trial Availability

  • No free trial
  • No free trial

User Ratings

Based on verified Spotsaas reviews

4.6

(5)

4.41

(16)

Best Company Size

Small BusinessLarge Enterprises
—
Get pricing help
Get pricing help

Software Demo

Demo

No software demo available

Four has not given any software demo yet

If you're the owner of this profile, add your demo.Contact us

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How do Four and QuickBooks Payments Compare on Features?

Total Features

6 Features

8 Features

Unique Features

No unique features

No unique features

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Get Quote

Compare Four and QuickBooks Payments on pricing

Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.

Pricing Option

      Starting From

      • Not Available
      • $12.50

      Pricing Plans

      • Not Available
      • Not Available

      Pricing Page

      Pricing information not available

      QuickBooks Payments pricing

      Four vs QuickBooks Payments: Other Details

      Organization Types supported

      • Individuals
      • Freelancers
      • Large Enterprises
      • Medium Business
      • Small Business
      • Individuals
      • Freelancers
      • Large Enterprises
      • Medium Business
      • Small Business

      Platforms Supported

      • Browser Based (Cloud)
      • Mobile - Android
      • Mobile - iOS
      • Installed - Windows
      • Installed - Mac
      • Browser Based (Cloud)
      • Browser Based (Cloud)
      • Mobile - Android
      • Mobile - iOS
      • Installed - Windows
      • Installed - Mac
      • Browser Based (Cloud)

      Modes of support

      • 24/7 (Live rep)
      • Business Hours
      • Online
      • 24/7 (Live rep)
      • Business Hours
      • Online

      API Support

      • Not Available
      • Available
      Get help choosing
      Get help choosing

      Four vs QuickBooks Payments Security & Compliance

      Certifications, data handling, and security controls for IT and compliance evaluators.

      HIPAA

      ✗ No
      —

      Data Residency

      🇺🇸 US
      —

      Four User Reviews & Rating Comparison

      User Ratings

      Rating Distribution

      5

      0

      1

      0

      1

      10

      4

      2

      0

      2

      Spotsaas Editor’s POV generated by AI

      Buyer sentiment

      Overall buyer sentiment is very positive, highlighting convenience and payment flexibility.

      What buyers like

      • Payment flexibility
      • Customer convenience
      • Integration with eCommerce platforms

      Common complaints

      • Pricing transparency
      • Complexity of setup

      Buyer sentiment

      Buyer sentiment is positive across 18 reviews, with strong overall satisfaction.

      What buyers like

      • Seamless integration with QuickBooks invoicing makes accepting and tracking payments fast and easy.
      • Lets businesses email invoices and bill clients directly so payments arrive much quicker than in person.
      • Easy to use even for non-technical staff, with several reviewers learning it in under 30 minutes.

      Common complaints

      • Processing fees can be high, so reviewers advise checking the costs carefully.
      • Customer service is a recurring pain point, with some users reporting poor support experiences.

      Pros and Cons

      • Offers diverse payment options to customers

      • Enhances customer shopping convenience

      • High user rating (4.7) with substantial reviews (2513)

      • Pricing is quotation based and not publicly available

      • Lack of detailed use case and benefit information

      • Seamless integration with QuickBooks invoicing makes accepting and tracking payments fast and easy.

      • Lets businesses email invoices and bill clients directly so payments arrive much quicker than in person.

      • Easy to use even for non-technical staff, with several reviewers learning it in under 30 minutes.

      • Processing fees can be high, so reviewers advise checking the costs carefully.

      • Customer service is a recurring pain point, with some users reporting poor support experiences.

      Positive Reviews

      No reviews available for the product

      No reviews available for the product

      Negative Reviews

      No reviews available for the product

      No reviews available for the product

      Used Four or QuickBooks Payments? Tell buyers what actually differs.

      Media and Screenshots

      Videos

      No videos available.

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      1 Videos

      Top Alternatives to Four and QuickBooks Payments in 2026

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      Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].

      Frequently asked questions

      Which is better, Four or QuickBooks Payments?
      Four edges out the other on user ratings (4.6 vs 4.4). That said, the best pick depends on your use case, so use the comparison tables above to evaluate each dimension.
      Do Four and QuickBooks Payments offer a free trial?
      Neither Four nor QuickBooks Payments currently lists a free trial.
      What is the starting price of Four vs QuickBooks Payments?
      Four starts at Contact for pricing. QuickBooks Payments starts at $12.50 /Month.
      What are the top alternatives to Four?
      Top alternatives to Four include MagicPay, Payfirma, DusuPay, Credit Key, Blackthorn Payments.
      What are the top alternatives to QuickBooks Payments?
      Top alternatives to QuickBooks Payments include Chargezoom, Payfirma, Quantum Electronic Payments, Satispay, Fattmerchant.