Get help with instant deposits for QuickBooks Desktop

Learn what to do if you have issues with instant deposits.

If you ever run into issues, don't worry. Here's what to do if an instant deposit is slow or unsuccessful, or you see unexpected charges.

What to do if you don't see the instant deposit available

Only eligible QuickBooks Payments users are eligible to use instant deposits. You'll see the option in the Record Merchant Service Deposits window.

Once you set it up, eligible transactions will show as available for instant deposits. Not all payments are eligible for instant deposits. QuickBooks checks every transaction for eligibility and only shows eligible payments as part of your available funds.

Why you may see an unexpected charge for an instant deposit

Instant deposit fees are 1.75% of the total deposit amount. This fee is in addition to the standard fees for processing customer payments.

What to do if your available balance is different than you expect

When you process customer payments, they may become part of the available balance for an instant deposit. You won't see anything in your available balance if:

• You haven't processed any customer payments for the day.
• The customer payments aren't eligible for instant deposits. Even if you schedule instant deposits, some transactions are still deposited at standard speed. Ineligible payments aren't included as part of your available balance.
• You already used Instant Deposit five times today, or you reached your daily amount limit. Your limit resets daily.
• The processed customer payments are under review. Get more info about why we may hold funds.
• It's after 3 PM PT. After 3 PM PT, your available balance is batched and deposited at the standard speed. You'll need to wait until you process new customer payments to get an instant deposit.

How to void an instant deposit

Unfortunately, you can't void instant deposits once you request it. This includes specific customer payments that are part of an instant deposit.

For all other refunds, follow the steps to process a credit card refund. The same refund fees also apply. Important: Instant Deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria. QuickBooks Payments account must be active and in good standing to participate. Payments are sent to the bank account linked to an eligible debit card in minutes (up to 30 minutes). Deposit times may vary due to third-party delays. For more information, review your merchant agreement.