Splitting transfers when making a credit card payment

You can use the transfer option to deduct the payment, NathanTB.

Here are the steps:

1. On the For Review tab, select a transaction to open it.

2. Click the Split button to open the Split Transaction window.

3. Choose a Category and enter an Amount for each category to assign to the transaction until the total amount matches the downloaded amount.

4. Click Save and Add.

You might also want to check out this article about how to enter a split transaction into the register.

Get back to me anytime of you have any more questions I can help.

If it were an expense transaction I would understand that. But this is a transfer, and it doesn't allow me to split anything when its a transfer in the "For Review." It won't allow me to split the payment amongst multiple cards because only my master parent card downloads the entire account payment transaction. 

Thanks for getting back to us, Nathan.

Just like what you've already tried, we won't be able to split a transaction before clicking the Transfer option in the Banking page. 

You can continue transferring the transactions and creating a journal entry. Then, you can split it afterwards. I'd also recommend reaching out to your accountant about this. They know what's the best way of handling these transactions.

Feel free to let us know if you need anything else.

Is there an update on this topic?

I am running into the same problem in QBO with a Chase business credit card account that has three linked sub-accounts for employee cards with different numbers and balances.  I can't figure out how to apply the total credit card payment to the the individual balances of the three sub-accounts.

If there is a new solution (perhaps the "transfer" work around that's alluded to or something else), please lay out the steps so that a QBO newbie can follow.

Thank you.

Thank you for sharing your situation on this thread, @KN52. I want to help you apply the total credit card payment to the individual balances of your sub-accounts. That said, I'll share some insights to get this sorted out.

You need to know how your bank sends the downloaded transactions before connecting to Online Banking. You can only connect the parent account if the transactions download to one account. Otherwise, you'll need to connect the subaccounts if the transactions are downloaded to individually.

When you connect your account, the same opening balance transaction may be downloaded to all subaccounts. This means they can be similar. At the subaccount level, certain banks may display the total bank balance. This is because the bank provides us with a static balance of the entire account, not the balance of each subaccount.

Take note that when reconciling, you only need to reconcile the parent account. This is because all the transactions in the subaccounts are wrapped into the parent account.

You can refer to this article to learn how to reconcile your account in QuickBooks Online.

Please know that I'm here anytime you have other banking concerns . We'd like to make sure this is resolved for you. Take care 

Thanks, but that didn't really answer my question.

I believe I understand how Chase downloads charges to credit card accounts linked in QBO.  Basically, it downloads charges to the individual card sub-accounts.  (I first just linked the card that Chase regards as "primary" - which I'll call card A - to QBO, but the transactions for cards B and C didn't show up.  So I created a parent Chase credit card account with sub-account for the individual cards.)  I've believe I've got the card sub-accounts set up correctly, and the bank balances shown are accurate.  (And I was able to reconcile the credit card statement using the parent credit card account.)

The problem is how to deal with the first month's payment I made on the credit card.  I paid it out of a linked Chase checking account, so that payment debit now shows up in QBO for review.  And the payment debit showed up in the QBO sub-account for card A only.  I need guidance about how to correctly record both transactions, with the result that the payment is properly applied to the respective balances of cards A, B, C and their respective QBO balances are correct.

Please advise.  Thanks.

Hello again, KN52.

I appreciate you getting back and providing additional information about your concern.

To record the charges into your respective sub-accounts, you can either write a check or use the Transfer funds feature to move the amount from your bank account. By doing this, the amount will decrease depending on how much you enter when paying the credit card.

For detailed steps on this, see this article: Record your payments to credit cards.

Here's also a resource you can use for easy categorization: Categorize and match online bank transactions in QuickBooks Online.

You can also check out this link: Banking Hub. From there, you can browse helpful topics on how to effectively manage your bank transactions and reconcile your account. 

Let me know how it goes in the comments below. If you have other banking concerns or inquiries about managing transactions, I'm just around to help. Take care always.

Thanks again.

I accepted both (i) the payment debit from the linked Chase checking account, which was paired with the primary Chase credit card (Card A) sub-account and (ii) the payment credit to the Card A sub-account.

I then created two transfers of the allocable portions of the resulting Card A overpayment to the sub-accounts for Card B and Card C.  All three cards now show the correct QB balances.

So it appears that when I pay the total credit card balance each month I'll need to manually transfer any resulting overpayment of the primary card to the other sub-accounts.  It would seem that Chase and/or QBO could make this a bit easier.  (For example, QBO could allow you to readily split a credit card payment amount sub-accounts when you accept the transaction.). But until then, this seems to be a work-around.

I am running into the same problem in QBO with an Indigo Credit Card Login account that has three linked sub-accounts for employee cards with different numbers and balances. I can't figure out how to apply the total credit card payment to the individual balances of the three sub-accounts.

Allow me to step in and share some insights on how sub-accounts works in QuickBooks, nancychandler340.

All transactions in the subaccounts roll up into the parent account. And, some banks may show the overall bank balance at each subaccount level.

This is because the bank provides us with a static balance of the entire account, not the balance of each subaccount.

In addition to this, you can send feedback about the feature that you want. That way, our Product Team will know what type of changes or functions you want to add to the system.

Here's how to send feedback.

1. Click the Gear icon at the top, then Feedback.
2. Enter your comments or product suggestions.
3. Click Next to submit feedback.

Your valuable feedback goes to our Product Development team to help improve your experience in QuickBooks. You can track feature requests through the QuickBooks Online Feature Requests website.

I'm also adding this link to learn more about sub-accounts: Set up the parent and subaccounts. It'll tell you how to connect accounts and what to reconcile.

Keep me posted if you have additional questions about your bank accounts. Just leave a comment below, and I'll get back to you.

Hello 

i have an issue with the chase credit card statement, i have 2 credit card, months ago i was doing the split from my general account between my 2 credit card but now i receive this message  credit card payment cannot be split between multiple detail lines.

what's the other alternative ? 

Hello there, OFW1.

Let me share some insights about splitting credit card payments in QuickBooks Online.

It is always important to know how your bank sends your downloaded transactions. This is because you can only link the parent account if only one account has downloaded the transactions. Otherwise, if transactions are downloaded separately, you'll need to connect the subaccounts.

That said, splitting credit card payments from your general account won't be possible. I understand that this functionality is important for your business, especially in recording those credit card payments. I recommend sending us feedback using the steps given by my colleague @MaryLandT above.

I've also added this link to our Help Page for more related topics and helpful articles about banking.

Please don't hesitate to come back to this thread or post again in the Community for other banking concerns. I'll get back to you as soon as I can. Keep safe and have a great weekend.