Virtual Card FAQ 

The Intuit Prepaid Mastercard is issued by Cross River Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.

Learn more about how to receive your payment through a Virtual Card when your customer schedules a bill payment to you using QuickBooks Bill Pay.

When your customer pays you through QuickBooks Bill Pay (either as an ACH payment or check), you get notified via email that a payment has been scheduled. For certain eligible payments, you can choose to receive that payment, and all future payments from the same payor, as a virtual card. This virtual card is an Intuit Prepaid Mastercard.

What is a Virtual Card?

Virtual Card is a single use virtual card with a unique card number, amount, and expiry date. You can select to receive the disbursement method for payments from your customers using QuickBooks Bill Pay.

How to opt in to receive a Virtual Card

1. In the e-mail you received notifying you that your customer has scheduled a payment to you via QuickBooks Bill Pay, you’ll see an option to get the payment as a virtual card. Click Let’s Go to get more details.
2. Click Get Started to access the Virtual Card portal.
3. Create or Login to your One Intuit Account.
4. Click Switch to card to get your payment as a Virtual Card.
   • Confirm if you would like to receive all future QuickBooks Bill Pay payments from this customer using a Virtual Card.

You can choose to receive payment as a virtual card until the scheduled Withdrawal Date.

If you don’t choose to receive the payment as a virtual card, you’ll receive it via ACH or Check, based on the customer’s selection. 

Accessing your Virtual Card

1. When the virtual card details are ready, you will receive an e-mail to the email address provided by your QuickBooks Bill Pay Customer. Select the View Card Details button in the body of the e-mail.
2. Login to your One Intuit Account, to access the QuickBooks Virtual Card portal.
3. Select the View Card Details button to see the unique card details (16 digit Card number, Amount, Card expiration date, CVV and zip code)

Your virtual card is valid for 30 days from the date of issue.

Processing your virtual card

• Enter the virtual card info (16-digit card number, amount, card expiry date, CVV, and zip code) into your payment terminal—just like you would enter card details you got over the phone. 
• Virtual Cards can be processed only once and for exactly the amount mentioned. You will not be able to process a smaller amount or multiple transactions. You'll get an error if the amount you enter doesn't match the exact amount on the virtual card. 
• Make sure to process your virtual card within 30 days of its issue date. After that, it will expire, be canceled automatically, and the funds will go back to your customer. To schedule another payment, you’ll need to connect with your customer.
• QuickBooks doesn't charge a fee to issue a Virtual Card. When you use the virtual card, your card processor will charge their usual fees. 

Opting out of receiving a Virtual Card

You can choose to opt-out of receiving a Virtual Card by switching back to the original payment method on the Virtual card portal.

If you have selected to receive all future payments from this customer as a virtual card, you can opt-out any time. 

1. Navigate to the Virtual card portal using the email confirming you have selected to get paid via a virtual card
2. Toggle the slider “off” for future payments from this customer.

Tracking your virtual card 

After you opt-in to receive a QuickBooks Bill Pay payment as a Virtual Card, you will be able to see the status associated with your virtual card on top of your virtual card portal.

• Scheduled: Virtual card not yet issued. The payment has been scheduled for an upcoming date.
• Delivered: Virtual card issued via email and card details are available.
• Completed: Virtual card has been processed. No funds remain on the card.
• Canceled:  The bill payment was canceled. Virtual card is deactivated and cannot be used. 
• Expired: Virtual card not processed after 30 days. Virtual card is deactivated and cannot be used. 

You’ll receive e-mail communications to help track the status of your payment.