Cómo procesar los pagos con tarjeta de crédito en QuickBooks en línea

This tutorial will show you how to process credit card payments in QuickBooks Online using QuickBooks Payments. First, well go over how to set up QuickBooks Payments as youll need an account to process payments, then well look at how to record credit card payments using a sales receipt and a customer invoice.

This guide is one of our many free QuickBooks Online tutorials and is designed to help you use QuickBooks Online effectively, our top-recommended small business accounting software . To get the most from this, follow along in your account. If you dont have a subscription, you have two options: a 30-day free trial or 50% off for three months.

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How To Set Up QuickBooks Payments in QuickBooks Online

Heads up!

If you already have a QuickBooks Payments account, you can skip this part and jump to how to record a credit card payment using a sales receipt .

Step 1: Navigate To Payment Settings

Click on the gear icon in the upper right corner of your QuickBooks Online screen, then select Account and settings under Your Company , the first column, as shown below.

Navigate to Account and settings in QuickBooks Online

From the Account and Settings screen, click on Payments in the left menu bar.

Navigate to Payments settings in QuickBooks Online

Step 2: Apply for a QuickBooks Payments Account

If you already have a QuickBooks Payments account, you should proceed to step 3. If you dont have one, you need to apply for an account by clicking on the green Learn more button in the Payments settings window.

Start a QuickBooks Payments application in QuickBooks Online

After hitting Learn more , youll be taken to the QuickBooks Payments account application window consisting of three sections, as shown below.

QuickBooks Payments account application

  1. Payment deposit info: QuickBooks will ask which of your bank accounts should receive your credit card deposits and be charged credit card fees. If you havent already added a bank account to your chart of accounts , select a different bank account and hit the Add button. When you have selected the account, click the green Save button.
  2. Business info: Youll be asked to provide business information, such as company name, business type, and business address.
  3. Personal info: QuickBooks will prompt you to provide personal information, including your full name, address, and phone number.

If it is your first time setting up QuickBooks Payments, then you should see a start button next to each section. Otherwise, you should see a View button, just like in the screenshot above (items B and C).

When all three sections are complete, click the green Get set up button at the bottom of the screen (not shown in our image) .

Step 3: Review Payment Settings

Navigate to the payment settings screen as you did in Step 1. Now that youve signed up for QuickBooks Payments, your Payment settings screen should look like this:

Review payment settings in QuickBooks Online

  1. Merchant details: Click the green Manage account button to go to your QuickBooks Payments account.
  2. Deposit accounts: The bank account listed in this section will be used to deposit your credit card proceeds and withdraw processing fees. Changing the bank account here will not affect the QuickBooks account wherein the transactions are recorded.
  3. Chart of Accounts: This field identifies
    1. the QuickBooks bank account to record deposits; and
    2. the QuickBooks expense account to categorize the processing fees.

To designate an account to record processing fees, click anywhere in the Chart of Accounts section.

Next, click on the drop-down menu next to Processing fees (under Charts of Accounts ) and choose an expense account to charge your credit card processing fees. If the account is not yet in QuickBooks, you can create a new account by clicking on + Add New from the drop-down list that shows up when selecting an account. After selecting an expense account, click the green Save button.

Select an account to record credit card processing fees

How To Record a Credit Card Payment Using a Sales Receipt

You learned how to create and send sales receipts in an earlier tutorial. Now that you have a QuickBooks Payments account, you can issue sales receipts to record customer payments via credit cards, debit cards, and bank transfers.

Step 1: Create a Sales Receipt

Click + New at the top of the left menu bar and then select Sales receipt under Customers, the first column.

Create a new sales receipt in QuickBooks Online

Step 2: Enter Credit Card Information

To accept payment via a credit card, debit card, or bank transfer, click the drop-down box under Payment method and choose the form of payment.

Process credit card payments with sales receipts

After selecting the payment method, click on Enter credit card details to input the customers credit card account information.

Enter customer credit card information

After inputting all the credit card information, hit the green Use this info button. The credit card transaction hasnt yet been processed, and youll receive a message that you have 10 minutes to process the transaction before the credit card information is removed from the sales receipt. After acknowledging you have 10 minutes, youll be redirected to the sales receipt screen.

Step 3: Save Sales Receipt & Process Credit Card Payment

Sales receipt with credit card information

The Sales Receipt screen now shows the last four digits of the credit card number that will be charged. To process the transaction, click the green Save and send button.

Step 4 (Optional): Verify the Credit Card Transaction Processed

Reopen the sales receipt by hovering over Sales in the left menu bar, clicking on All Sales , and then finding the sales receipt transaction you just created. After opening the sales receipt, verify that it reads Transaction processed under the Payment method.

Verify the credit card payment processed on a sales receipt

Click on Transaction processed to view the details of the transaction.

View the credit card transaction receipt

You can either print the transaction details by clicking the Print button or issue a refund to the customer by hitting the Refund button.

How To Record a Credit Card Payment on an Invoice

This process is unnecessary if your customer pays an invoice online by clicking Pay Invoice in the email sent to them. You can enable online payments by clicking the gear icon in the upper-right corner of the screen, selecting Company settings in the first column, and then clicking Sales.

Step 1: Navigate To the Receive Payment Screen

Click on + New above the left menu bar and then select Receive payment in the first column.

Open the Receive payment screen in QuickBooks Online

Step 2: Enter the Credit Card Information in the Receive Payment Screen

The Receive Payment screen should be completed as shown in our guide on how to receive payments except the payment method should be changed to a credit card. Click the drop-down menu under Payment method and select the credit card processor.

Enter payment method for an invoice payment

Click Enter credit card details to open a window to input the customers credit card account information:

Enter credit card information to receive payment on an invoice

Once the credit card information is entered, click the green Use this info button to continue. The credit card hasnt yet been charged, and you have 10 minutes to complete the transaction before the credit card information is removed.

Step 3: Save the Payment to Process the Credit Card Transaction

The Receive Payment screen will now show the last four numbers of the credit card to be charged.

Receive Payment screen with credit card information

Click the green Save and close button to process the credit card transaction and charge your customers credit card

What Happens Next

The credit card payments you received wont be reflected in your bank account register until the funds are transferred from QuickBooks Payments. Once the funds are in your bank, QuickBooks will record the deposits and related processing fees to the account registers you specified in the QuickBooks Payments options discussed above.

What Are the Benefits of Using a QuickBooks Payments Account?

  • Theres nothing to install for QuickBooks Payments to work with QuickBooks Online.
  • Your accounts and financial statements are always up-to-date since QuickBooks Payments is integrated into QuickBooks.
  • Your customers can make payments online by clicking the Pay Now button on their emailed invoices.
  • You can accept payments using your mobile device via the QuickBooks Online mobile app.
  • Payments are deposited to your bank account, on average, within two or three business days after the transaction date.

Wrap Up

Congratulations on completing another QuickBooks course. You just learned how to process credit card payments in QuickBooks Online through QuickBooks Payments. The next guide in our series of free QuickBooks tutorials is how to record credit card sales with a third-party credit card processor , which will teach you how to enter credit card sales when using a non-QuickBooks-integrated processor.

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How do QuickBooks payments work

With QuickBooks Payments, you can attach a Pay Now button to online invoices. Customers can pay through the button by credit, debit, Apple Pay, or ACH bank transfers. Payment will be deposited automatically, and your books updated.

What is a QuickBooks payments account

QuickBooks Payments is a sensible payment processing solution for small businesses that already use QuickBooks for accounting, need to accept invoice payments and don’t require other third-party payment integrations.

Can payments be made through QuickBooks

In QuickBooks Desktop

Your customers can pay for their invoices online with a credit card, debit card, and ACH bank transfer . You can also manually process payments in-person or over the phone. Find out how to process payments in QuickBooks Desktop.

How do I access my QuickBooks payments

Go to your Company Settings by clicking on the Gear icon and then selecting Account and Settings. Click Payments from the left navigation and then the Learn More button. Click Set Up Payments to get started.