How To Process And Record QuickBooks ACH Payments

QuickBooks Payments support a variety of payment methods. Most of the business owners accept the payments using Debit Card, Credit Card, and even the ACH Payment also by the internal intuit’s payment system.

It is also beneficial to the owner of the business as accepting the fees through ACH costs less, which is 50 cents per transaction. But if you plan for accepting the payment by ACH, you should be aware of how to record ACH payments in QuickBooks.

The larger the trade, the less time there is for bills. That’s the reason why automation is such an important strategy for modern tasks. Recurring payments will assure that vendors are always paid the right amount, at the right time. This is what makes QuickBooks an outstanding tool for all businesses, big and small. You can set up recurring payments for your bills and schedule ongoing customer payments. View and manage ACH recurring transactions, schedule payments automatically, or prevent recurring ACH.

Process an ACH bank transfer from a customer

Know how to process an ACH bank transfer for the customer’s sales receipt or invoice in QuickBooks Online. Do free yourself from the hectic bank run and paper checks. Just get your customer’s authorization and can accept QuickBooks ACH payments right in your QuickBooks. You can select the save option to save their bank information, so you don’t need to enter that in the future. Let’s take a walk to the following steps:

Note: Set up QuickBooks Payments now so it will be easy for you to accept bank transaction payments in your QuickBooks Online account.

Step 1: To receive payment for select the transaction

You can easily process a bank transfer payment now for an invoice and sales receipt. Or enter your customer’s bank information to a recurring sales receipt.

  • Sales receipt or invoice
  1. Choose the Create icon.
  2. Choose Receive Payment or select Sales Receipt.
  3. In the Payment method drop-down, choose Check or QuickBooks Payment-Bank.
  • Recurring sales receipt

The work of the sales receipt is to process the ACH payment to its next scheduled charge date.

  1. Choose the Gear icon.
  2. Select Recurring Transactions in the Lists.
  3. Search for a customer’s recurring sales receipt from the list, and then choose Edit.
  4. Select Check or QuickBooks Payment-Bank from the Payment method drop-down.
payment method

Step 2: Enter your customer’s bank info

  1. Choose Enter Bank info.
  2. Then enter your customer’s Account Number, Account Type, Routing number, and Name.
  3. Choose to Use this account information in the future.
enter info


  • Make sure that you are selected this if you’re adding payment information to a recurring sales receipt.
  • If you don’t save the bank info, then you have the 10 minutes to process the payment.

Step 3: Get authorization

Remember that you get your customer’s authorization, whether you save their account information for future use or not.  

get authorization
  1. Choose Signed authorization to print an authorization paper that your customer can fill out and sign. Or choose and review the authorization script to get them instead.
  2. Choose I have signed an authorization checkbox to show you’ve received authorization.
  3. Choose the Save option.

Updating the recurring sales receipt?

Choose Save template to save customer’s payment information.

You can use step 4 as optional. The receipt will process ACH payment at the next schedule charge date automatically.

Step 4: Process the payment

  1. Select I have authorization and would like to process this transaction in the transaction form.
  2. Verify the transaction, then Save and Send it.
  3. Make the changes to the email message to your customer, then click on Send and close.
process payment
process payment 2

How to record an ACH payment that was made to an Invoice

There are a few points you have to follow to record QuickBooks ACH payments from invoices in QuickBooks Online:

  1. Select the Sales tab in the left navigation tab.
  2. Assured that Invoices are chosen at the top of the page.
  3. Select Receive payment near the invoice you want.
  4. Then Receive payment page will be open. You can also select to add any outstanding transactions here.
  5. Choose Save and new option and click on the drop-down to select Save and Close.

Recording Split ACH Payment received

To record split ACH Payment Received is to create a bank deposit for the three payments and deposit them into the right account.

Receive payment
Bank deposit

After completing you will find a match for downloaded transactions, then correct the differences in your banking feeds. In this way, you will be able to see the reminder and deposit in your account. 

Let’s see the steps for further guidance:

1. Click on the Banking option from the left panel.

Banking feed

2. Choose the bank where the payment was deposited to.

Banking feed 2

3. Go to the Payment option, then select Find a match to take the transaction.

4. Tick the deposit by doing a checkmark in the box.

5. Then enable the Resolve Difference option.

6. Click on Save after you are ready.

banking feed 3

How to record ACH payments and wires to vendors 

See if the bills are inserted as individual transactions, try to pay them one at a time. But if there is wire transfer for bulk payment, then please choose each entry to match what’s on the bank statement. 

record ACH payment

Remember that bill payment will not automatically display as an ACH. You have to manually enter Wire or ACH to easily identify the transaction. 

Let’s check out these following reports to determine what is the reason there are no invoices you can apply the A/R wire and what will happen to the bills:

  • Transaction List by the Customer Report.
  • Unpaid Bills Details.

First, list all transactions related customers, like invoices, customer payments etc. Meanwhile, the last show all the bills and payments regarding each vendor.

Transaction List by the Customer Report

The total balance shows in the Balance column are all your company’s unpaid balance. Follow the steps to open the Transaction List by Customer Report:

  1. Select Customer & Receivable by navigating to the Reports menu at the top of the screen.
  2. Choose Transaction List by Customer Report from there and click on the Customize tab to filter the information display on the statement.
record ACH payment 2
record ACH payment 3

For the Unpaid Bills Details:

  1. Click on the Reports menu at the top of the screen and select Vendors & Payables.
  2. Click Unpaid Bills Details from the list and select the Customize tab if you want to refine it.
unpaid bills
unpaid bills 2

Now we will discuss how you can process the partial payments as-

How to record Partial payments-

QuickBooks Online keeps the track of the open balance as-

  • Go to Create icon and select Receive payment.
  • Select the customer name from the drop-down menu.
  • Select your payment method and the reference number.
  • Enter the amount of payment under Amount Received.
  • From the Outstanding transactions, select the transaction, you would like to apply the payment to.
  • You can deposit the money either to your checking account or undeposited funds account.
  • Now Save and Close.

To find the remaining balance:

  • Reopen the invoice.
  • Look at the Balance Due line.
  • Select Reports.
  • Enter Customer Balance details in the Find report by the name field.
  • Select Run report.

Now we will discuss, how you can record the joint payments so that you can coordinate with two customers as well-

Record Joint Payments:

If a situation comes where a customer pays an invoice and for another customer, you can receive the payment as-

  • Go to Create icon and select Receive payment.
  • Enter the name of the customer, amount, payment method and Reference no. (Note the check number in the reference no.)
  • Mark an entry in the memo field that this payment is included in the check.
  • See that the correct invoice is checked.
  • You can deposit the money either to your checking account or to the undeposited funds’ account.
  • Now Save and Close.

Repeat the steps for the second customer. See that check number is same and that you enter a descriptive memo so that they show as one deposit on the register:

  • Go to the Create icon on the toolbar then Bank Deposit.
  • Mark all the payments you want to be grouped together with a check from the Select payments included in this deposit section.
  • See that the total is accurate. In this, the total should be the total amount of joint check.
  • Now Save and Close.

Hopefully, you find reading this article helpful as in this we have explained how to process ACH payments in QuickBooks. We have explained step by step procedure here. In this, we have also covered how to record partial payments and joint payments.

If you are facing any problem related to ACH Payments, Our QuickBooks help desk is 24*7 available to solve the issues. You can call us at the toll-free number +1-844-541-8444 and find a proadvisor to resolve your issue.

Also, read these articles: 

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