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Process an ACH bank transfer from a customer

by Intuit•155• Updated 3 weeks ago

Get rid of paper checks and busy bank runs. With your customer’s permission, you can add ACH payments right in QuickBooks Online. Save their bank info for future payments.

QuickBooks doesn’t charge for ACH payments.

An icon showing cash and a payment card Check out QuickBooks Payments rates and apply. Then, you can automatically process payments, deposit funds and record transactions in your books.

What you’ll need

An active QuickBooks Online subscription.
An open invoice or sales receipt you’ve been paid for.
Your customer's bank account number, routing number, and account type.
Explicit permission from the customer to save or process their payment information.
A printed and signed permission form if you intend to save the information for future use. You can print an authorization paper for your customer to fill out and sign.

Find the transaction to get paid for

Add bank transfer payments to invoices or sales receipts.

Sales receipt or invoice

Select + New.
Select Receive Payment or Sales Receipt.
Select the customer name from the Customer ▼ dropdown.
From the Payment method▼ dropdown menu, select Check or QuickBooks Payment - Bank.

Recurring sales receipt

The sales receipt will process the ACH payment on its next scheduled charge date. Learn more about how to set up a recurring sales receipt.

Go to Settings ⚙, then select Recurring Transactions.
Find your customer’s recurring sales receipt from the list, then select Edit.
From the Payment method▼ dropdown, select Check or QuickBooks Payment - Bank.

Enter bank details and authorize payment

After you find ‌the transaction, enter the customer’s financial information.

Note: If you don’t have to save the bank info, you have 10 minutes to process the payment.

Select Enter Bank info.
Add the customer’s Account Number, Account Type, Routing Number, and Name.
If you are updating a recurring transaction and wish to store the data, select Use this account information in the future.
Note: If you choose not to save the bank details, you have 10 minutes to finish processing the payment.
On the transaction form, select I have authorization and would like to process this transaction.
Review the details, then select Save and send.
Modify the email message if needed, then select Send and close.

Note: ACH payments entered manually by the merchant may be delayed due to extra security checks. Collecting ACH payments from Pay-enabled invoices can help reduce payment processing risks.

Results

Upon completion, you submit the ACH payment for processing. If you saved the payment information, the customer's bank details will be available for future transactions.

Next steps

Remember, ACH payments entered manually may be delayed by extra security checks. To reduce future processing risks, consider collecting ACH payments through pay-enabled invoices.