Want to accept debit or credit card payments in QuickBooks Online? It is important to process a credit card payment every time customers pay because if you don’t, it can create complications in the future. Here in this article, we have discussed the most common methods used to process credit card payments in QuickBooks Online. In the article, you will get valuable tips and different methods to process credit card payments in QBO. For QuickBooks payment assistance contact the ProAdvisor through the toll-free number +1-844-405-0904
There are few ways to process credit card payments depends on whether you want to use an invoice or not.
If you don’t use QuickBooks Payment then you need to first record the credit card payments.

Process Credit Card Payments With an Invoice
Here we will discuss two methods to process credit card payments with an Invoice.
Method 1: Receive a payment toward an invoice
In this method, we’ll be using the ‘Receive Payment’ option to process credit card payments in QuickBooks Online. This will be effective if you send an invoice to the customers. This method is very helpful when you invoice your customers, you will require to get payment. In this way, you can use the payment process to an open invoice.
Tips: Allow your customers to pay for their preferences. Assign them an invoice that they can pay online.

- First look for the + New option.
- Later, choose Receive Payment.
- Enter all the customer information and payment date.
- Choose an open invoice to implement the payment under the Outstanding Transactions section. Change the amount received in the field, to make a partial payment.
- Choose the Credit card option, from the Payment method drop-down list.
- Now, go to the Enter credit card details and click on it.
- Insert all the credit card info or choose the Swipe Card option.
- This step is Optional: If you want to save this customer’s credit card then go to the Use this credit card in the future option and click on it.
- Choose the Process credit card.
- Choose Save.
- Choose Save and close or Save and new.
Method 2: Create a sales receipt
Here, you’ll learn how to process credit card payments in QuickBooks Online using the ‘Sales Receipt’ option. You can choose this option if you don’t use Invoices.

- First, go to the + New and click on Sales Receipt, next insert all the customer information.
- To sell, add a product or service
- Choose a Credit card, from the Payment method drop-down list.
- Choose Enter credit card details.
- Insert all the credit card info which is required or choose Swipe Card.
- This step is Optional: If you want to save this customer’s credit card then go to the Use this credit card in the future option and click on it.
- Choose the Process credit card.
- Choose Save.
- Choose Save and close or Save and new.
Intuit Payment Network
You can also use the Intuit Payment Network (IPN) for accepting credit card, debit, and ACH bank transfers if you don’t have time the process payments. The only thing you need to do is send the invoice via Email with the pay now link attached to it. And if payment is made through that link then QuickBooks will automatically record this transaction with the appropriate invoice.
For example, if a payment of $10 is made using the pay now link then a receive payment of $10 will be automatically recorded in the QuickBooks and $9.50 will be debited to the account. $0.50 is the fee for using the Intuit Payment method.
If you do a lot of transactions and transfer of funds, then you can opt for QuickBooks Point of Sale or another point of sale system. Compare your options here:
Process Method | Available in | Additional hardware needed |
Swipe a credit card or insert a chipped card | QuickBooks Online QuickBooks Desktop GoPayments QuickBooks Point of Sale | A card reader (or point of sale system). Learn more about compatible card readers for Go Payments, Magtek card readers for QuickBooks Online and QuickBooks Desktop, and QuickBooks Point of Sale hardware. |
Send invoices customers can pay online | QuickBooks Online QuickBooks Desktop | None |
Manually enter a credit card | QuickBooks Online QuickBooks Desktop GoPayments | None |
Set up recurring credit card charges | Merchant Service Center | None |
Frequently Asked Questions
What are the credit card processing charges in QuickBooks?
Credit Card processing charges are 1% per ACH transaction ($10 max.), 2.4% per credit card swiped transaction and 3.4% per invoiced transaction.
How long does it take to receive a payment if you are using QuickBooks Payments Account?
Generally, If the payment is made using a credit card then it takes 2 to 3 days for receiving an invoice payment.
What else can I use to process payment in QuickBooks Online?
You can either process credit card payment using Receive Payment and Sales Receipt or you can send Email Invoice which allows users to pay online through QuickBooks Payment Account.
Hopefully, after reading this article, you have learned how to process credit card payments in QuickBooks Online. Although, This is a straightforward procedure it’s common that you may face some technical errors or glitches. You don’t need to panic if you face some errors or got stuck in any complications related to QuickBooks.
The best thing you should do in these situations is to contact QuickBooks ProAdvisor. Our certified software technicians can fix any issue instantly and our professional accountants can provide you the best advice. For using our service call us at our toll-free number +1-844-405-0904 at your convenient time.