When it comes to processing online payments in Novi AMS, you have three options to choose from. While most of our customers opt for Novi Pay, Novi's own payment processing service, you are not locked into using it. Novi AMS also supports QuickBooks Payments and Stripe, giving you the flexibility to select the provider that best fits your association’s needs. This article will help you understand the key differences so you can make an informed decision.
Benefits of Novi Pay
Novi Pay is designed to save Novi AMS customers time and money. Here's a quick look at what sets it apart:
Competitive Processing Rates
Flat-rate pricing: 2.95% + $0.25 per transaction for credit cards and 0.75% for ACH bank payments. There is no additional cost to your Novi subscription for using Novi Pay.
Time Savings Through Automation
Payment details live directly inside Novi and nightly batch deposits are automatically created in QuickBooks Online when a batch settles.
Enhanced Security, Powered by Fiserv
Fiserv is a Fortune 500 global leader trusted by millions of businesses and thousands of financial institutions. Card Account Updater (CAU), an optional Fiserv add-on, automatically updates expired or replaced card details to reduce failed recurring payments.
PCI Compliance Assistance at No Additional Charge
Through your partnership with Novi Pay and Fiserv, you'll have access to a free service through Viking Cloud (SecureTrust) to help complete your annual PCI compliance paperwork.
Dedicated Support from Novi
When you have a question or need help troubleshooting, you'll work directly with the Novi support team. If questions need to bubble up to Fiserv, we'll help coordinate to get you the right answers.
External Portal for Statements, Reports & Advanced Troubleshooting
For detailed statements, historical reports, or dispute management, Novi Pay customers also have access to Fiserv's CardPointe portal for advanced needs.
Other Payment Processors
QuickBooks Payments
Similar to Novi Pay, QuickBooks Payments offers automated batch reconciliation, which groups multiple transactions into a single deposit.
* Note: As an integrated option with Novi, QuickBooks Payments processing fees are at the "Keyed-in Cards" rate, when comparing pricing. They consider all API integrations to be at their Keyed-in Card rate.
Stripe Standard
Stripe Standard is an alternative payment processing option for Novi customers.
Note: Novi's integration with Stripe is the least automated option and requires manual reconciliation. As of May 2026, our Stripe standard integration only offers credit card payments. Both Novi Pay and QuickBooks Payments offer credit card and ACH options.