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Set Up Credit Card Processing in QuickBooks Online

• 
• By Jonathan Browns
• Feb 11, 2026
• QuickBooks Online
• 7 min read

No business can grow if their customers are facing payment issues. In such a situation, credit card processing in QuickBooks Online makes it easier for your business to accept customer payments for the product they want to purchase. With QuickBooks credit card processing, you can process debit and credit card payments directly using QuickBooks.

You will get your payments faster and customers would also not face any trouble while paying otherwise things get exhaustive. QuickBooks credit card processing will make the whole process smooth and would benefit the both side i.e., customers and business.

QuickBooks Credit Card Processing in QuickBooks Online

The good news is that you can now process and authorize all major debit and credit card transactions directly in QuickBooks Online credit card processing. Intuit QuickBooks credit card processing allows businesses to accept payments securely while keeping financial records updated automatically.

• Grow your business: Credit card processing with QuickBooks makes it easier for customers to pay, improving convenience and trust.
• Get paid faster: The approved funds would get deposited into your account within 2-3 business days.
• Get paid automatically: You will have an option to set up recurring sales receipts and collect payments automatically.
• Save money: There is no need for extra software, hardware, or phone lines, which helps lower overall QuickBooks credit card processing fee costs.
• Save time: Credit card processing for QuickBooks automatically records transaction details in your QuickBooks Online company file.

Note:- QuickBooks Payments is a fee-based optional service. You need to get approval.

If you are willing to apply this service:

• Click on Settings and select Account and Settings.
• Choose the Payments tab.
• Finally, click on Learn More!

Next Step: after you sign up for QuickBooks Payments

Step 1: Connect your QuickBooks Payments account to QuickBooks

After approval, connect your QuickBooks Payments account to QuickBooks Online to begin credit card processing that QuickBooks users rely on.

Connect your account to QuickBooks Online.

Learn to connect an existing QuickBooks Payments directly from QuickBooks Online.

What to do before you connect QuickBooks Payments to QuickBooks Online?

Before you proceed to connect the account, you need to make sure:

• Before you connect your QuickBooks Payments account, refund open transactions. You would not be able to refund transactions made before connecting with your QuickBooks Payments account.
• If there are any recurring QuickBooks payments in Merchant Services, delete them. Then, log in to your Merchant Services and turn off any recurring payments before you start.

Connect your QuickBooks GoPayments

Connecting a QuickBooks GoPayments account to QuickBooks Online resets app settings, removes transaction history, and resets receipt customization. To maintain consistency, QuickBooks replaces items and descriptions based on your QuickBooks Online data. If multiple customers exist, QuickBooks may remove IDs during QuickBooks pos credit card processing setup.

Connect your QuickBooks Payments account in QuickBooks Online

• Log in to your QuickBooks Online account as an admin.
• Click on Settings and select Subscriptions and billing.
• If you want to connect an existing account, click on Connect your QuickBooks Payments account.
• You need to choose the QuickBooks Payments account that you want to connect.
• To deposit customer payments, choose the account you use.
• Then, click on Connect.
• In the pop-up window “Changes you might not expect”, click on Yes, I understand.
• Finally, click on Sign out and then sign in back to your QuickBooks Online account.
• Note:- Your QuickBooks Online user IDs will be replaced with your QuickBooks Payments user IDs while you connect your accounts.
• You can recreate recurring payments as memorized sales receipts.

Set up a recurring sales receipt.

Recurring billing works for QuickBooks Online credit card processing and also supports businesses using QuickBooks Desktop credit card processing or QuickBooks Enterprise credit card processing.

This allows businesses using different QuickBooks versions to manage recurring payments under one credit card processing for the QuickBooks system.

• Create a recurring sales receipt
• Click on All apps and then select Accounting.
• Select Recurring transactions.
• Click on New and select the Transaction Type drop-down menu.
• Select Sales Receipt and OK.
• You need to enter a template name.
• Click on Scheduled from the Type drop-down menu.
• From the Customer drop-down menu, select the customer’s name and then verify your email.
• Now, to send notifications to your customer, you can click on Automatically send emails while you process their payment.
• You can also set the interval when you need a sales receipt on the first day of every month.
• Simply set the start date and when it should end.
• If you choose None, it will keep repeating.
• If you choose By, you need to enter the end date.
• If you choose After, you can set any number of times you want the sales receipt to repeat.
• Click on the Payment method drop-down, choose Credit Card type, or check.
• Credit card type: To fill in the customer’s credit card details, click on Enter credit card details.
  • E-Check: To send the Bank Transfer Authorization to your customer, select the authorization link.
  • Enter the amount and the line for the product or service you provide.
• Finally, save the template.

Conclusion

In this guide, we simplified how as a business entity you can accept and manage your payments. In addition to this, the set up allows you to focus on your business other parts while payments and records remain organized. Credit card processing in QuickBooks Online makes things smooth. Whether you are comparing QuickBooks credit card processing fees, using a QuickBooks credit card processing fee calculator, or managing payments across platforms, everything stays connected.

Frequently Asked Questions

1. What does QuickBooks charge for credit card processing?

Ans. QuickBooks charges a processing fee for each credit card transaction handled through QuickBooks Payments. QuickBooks Credit Card Processing fee depends on how your customer pays online invoices, keyed-in payments, or card swipes. Since it is a pay-as-you-go service, there are no setup or cancellation fees, and charges apply only when you successfully receive a payment.

2. How much does QuickBooks charge for credit card processing?

Ans. The cost of QuickBooks credit card processing varies based on the payment method used. Online invoice payments usually cost less than manually entered card details. Many businesses use a QuickBooks credit card processing fee calculator to estimate costs. All QuickBooks credit card processing fees appear clearly inside QuickBooks for transparency.

3. What is the QuickBooks credit card processing fee?

Ans. The QuickBooks credit card processing fee is the amount charged for securely authorizing and processing customer card payments within QuickBooks Online.

4. Do I need any extra hardware or software to use QuickBooks Payments?

Ans. You do not need any additional hardware, phone lines, or third-party software. Everything works directly within QuickBooks Online. This not only saves setup time but can also save you high costs over time. You can manage payments, invoices, and customer records from one dashboard without switching between multiple platforms.

5. Can I set up automatic recurring payments for my customers?

Ans. Credit card processing for QuickBooks allows you to create recurring sales receipts for automatic payments. This works across QuickBooks Online credit card processing and other QuickBooks versions. Payments are processed automatically, receipts are sent to customers, and transactions are recorded in your company file.