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Resolve errors when processing credit and debit card transactions in Point of Sale

SOLVEDby QuickBooks3Updated December 01, 2022

There could be several reasons why you can't process a credit or debit card transaction. Follow the steps below to get back to processing cards within QuickBooks Desktop Point of Sale.

Here are some of the errors that you may encounter when unable to take a card payment:

  • Invalid PIN
  • Invalid Credit Card Type
  • Invalid Merchant Number
  • Not an allowed card type
  • Card not supported
  • Invalid merchant account
  • Merchant account information not recognized

These errors can be caused by an invalid entry from the customer or employee and/or Internal Server errors. Try the following steps to identify the root cause of the issue:

  • Use another card to process the transaction to identify if the problem is coming from the system or card type.
  • Instead of inserting the card, try keying in the card information.
  • Use a different system (GoPayment or Merchant Service Center)
  • Clear temporary internet files and cache.
  • Try another station/terminal.

If you're using a credit card:

  • Ensure that the card has a credit card and not a debit card logo.
  • Make sure that your Merchant Account is properly configured to process the card type your customer is using.
    From the Merchant Service Center, go to Account, then Account Profile.
  • You cannot process electronic transactions for American Express cards which start with the following numbers:
    • 3785-7
    • 3785-9
    • 3787-3

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