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Receive payments with Single-Use Virtual Cards
Learn how to receive payments with a Single-Use Virtual Card when your customer pays through QuickBooks Bill Pay. You can receive eligible payments without sharing your bank account details. Eligible payments may be issued the same business day. This avoids standard 3–5 business day wait for ACH or up to two weeks for paper checks.
Understand Single-Use Virtual Cards
A Single-Use Virtual Card is a temporary digital payment method created for a specific payment. You can use it to receive payment from your customer without sharing your bank account details.
Each card includes:
A unique 16-digit card number
A specific payment amount
An expiration date that's valid for 30 days from the issue date
A CVV and associated zip code
Review the benefits of Single-Use Virtual Cards
Receiving payments with a Single-Use Virtual Card can offer these benefits:
Faster payments: Eligible payments may be issued the same business day.
Added security: You don't need to share your bank account or routing details with your customer.
Guaranteed funds: You can reduce the risk of bounced checks.
No QuickBooks fees: Intuit doesn't charge an extra fee to receive a virtual card. Your standard card processing fees still apply.
Simpler reconciliation: Each card is issued for the exact payment amount, which can make matching payments easier.
Choose how to receive Single-Use Virtual Card payments
When your customer schedules a payment using QuickBooks Bill Pay, you may receive the payment automatically or process it manually.
Receive an automated payment
If your invoice includes a card-enabled online payment link, QuickBooks can automatically pay the bill using a Single-Use Virtual Card. Payments scheduled before the daily cutoff may process the same business day. The cutoff is 3:00 PM PT for QuickBooks Payments and 5:00 PM PT for other portals.
Choose a virtual card manually
If you process card details manually, you'll receive an email when the virtual card is ready.
In the payment notification email, select Let's Go.
Select Get Started to access the QuickBooks Virtual Card portal.
Create a new One Intuit Account or sign in with your existing Intuit Account credentials.
In the portal, select Switch to card.
Choose whether you want future payments from this customer by virtual card.
If you don't opt in by the scheduled withdrawal date, you'll receive the payment using the method your customer originally selected.
Access your Single-Use Virtual Card details
After your customer processes the payment and the virtual card is ready, you'll receive another email.
In the email, select View Card Details.
Sign in to your One Intuit Account to access the QuickBooks Virtual Card portal.
In the portal, select View Card Details.
Review the card number, payment amount, expiration date, CVV, and associated ZIP code.
Process your Single-Use Virtual Card payment
Use the virtual card details to process the payment through your existing point-of-sale system, payment terminal, or online terminal.
Keep these requirements in mind:
Exact amount: Charge the exact amount listed on the card. Partial charges or split transactions will be declined.
Single use: Each card is valid for one transaction. A new card is created for each eligible bill payment.
30-day expiration: Unprocessed cards expire after 30 days. The funds return to your customer, and you'll need another payment method.
Processing fees: Intuit doesn't charge a fee to issue or process the virtual card. Your regular card processing fees apply.
Cancellations: If your customer cancels the bill payment before processing, the virtual card is deactivated.
After you successfully process the card, the payment status updates to Paid in your customer's QuickBooks account. The virtual card is then deactivated.
Stop receiving Single-Use Virtual Cards
You can stop receiving future virtual card payments through the QuickBooks Virtual Card portal. This change applies only to future payments from the customer whose setting you update.
Access the QuickBooks Virtual Card portal from a virtual card email.
Sign in to your One Intuit Account.
Find the setting for receiving future virtual card payments from your customer.
Turn off the setting.
Virtual cards that have already been issued remain active until they're processed, canceled, or expired.
After you opt out, future payments from that customer return to their standard payment method. ACH payments can take 3–5 business days, while mailed checks can take up to two weeks.
Track your Single-Use Virtual Card payment
You can track your virtual card payment in the QuickBooks Virtual Card portal.
Common statuses include:
Scheduled: Your customer scheduled the payment, but the virtual card hasn't been issued.
Card Ready: The virtual card has been issued, and its details are available in the portal.
Completed: You've successfully processed the virtual card.
Canceled: Your customer canceled the bill payment before you processed the card.
Expired: You didn't process the card within 30 days.
Refunded: You've refunded the payment to your customer.
You'll also receive email updates about your payment status.
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