Do I need a quickbooks checking account in order to accept online payments?

Thanks for reaching out to the Community, rlawrence1952.

A QuickBooks Checking account is not required to accept online payments with Intuit. When applying for a QuickBooks Payments account, you'll have an option to request a QuickBooks Checking account. If you'd prefer not to have one, you can choose a different bank account and enter its details.

Here's how to apply for a QuickBooks Payments account while sign in:
 

1. Use your Gear icon, then go to Account and settings.
2. Access the Payments tab and click Learn more in your QuickBooks Payment section.
3. Hit Set up Payments.
4. In the Business area, press Start, then fill out your form and tell Intuit about your business.
5. Click Next.
6. From the Owner/Proprietor section, hit Start and fill out your form with the requested information.
7. In your Payment deposit section, press Start. You'll have two options, one is to get a QuickBooks Checking account, the other is to enter a different bank account for customer payments.
      • If you choose to get a QuickBooks Checking account, confirm your name on the debit card is correct.
      • In the event you decide to use a different bank account, click Add and search for your financial institution. Afterwards, enter the sign in credentials you use for your account, then hit Connect.
8. When you're finished, select Get Set Up.

You'll receive an email about the application within a few business days. If approved, you can order things like mobile card readers directly from your email.

I've also included a detailed resource about applying for QuickBooks Payments accounts which may come in handy moving forward: Sign up for QuickBooks Payments

If there's any additional questions, I'm just a post away. Have a wonderful Friday!

@rlawrence1952   You will seriously want to do your research before accepting payments through QB.   There are a LARGE number of threads with customers who never receive their money from QB, once their own customers make the payment.  

I know it would be convenient to accept the online payments, but if at all possible, use another source to accept those payments. It will benefit you and your company to do so.  

And just fyi,. when QB says the money is "on hold" for a few days to "verify", it will take a couple weeks to MONTHS to get your money from them.  And that's if they don't hold it for 270 days, just to turn it over to your own state. Which then, you have to collect it from the state.  

QB will also randomly close your account, without returning you your money.  

But don't just take my work for it.  Use the search bar at the top of any page here in the community to find hundreds of others that have had it happen to them. (and those involved it lawsuits against QB).  

When I go into the Access Payments tab as you suggested, I see a message that says application is pending. That surprises me, since I have NOT applied for a checking account. I only want to be able to accept online payments from my vendors. I already have an established account  with another bank.  When I click on "Connect" the only option I'm given is to connect to a business account not associated to the business that I need to use to accept payments. For several years I was able to accept online payments, but in July that payment link unexpectantly disappeared. I've spent hours and hours talking to customer service, but to no avail. Other suggestions?

Thanks for joining the thread, @rlawrence1952. I appreciate you following the steps provided by my colleague when applying for a QuickBooks payment. Allow me to clarify the message that you encounter when accessing the payments tab.

The notification stating that your application is pending indicates that your request to utilize payments through QBO is currently undergoing review or processing. This could be due to various factors, such as verification of your business information or other requirements.

To get more information about the status of your application, I recommend reaching out to our Payment Support Team in QuickBooks Online (QBO).

The Payment Support Team is equipped to provide you with detailed insights and assistance regarding your application status. They will be able to review your account, investigate any pending issues, and provide you with the necessary guidance to resolve the matter.

To speak with one of our experts from the Payments Support Team. Please follow the steps below to contact support:

1. Go to Help (?) at the top right.
2. Select or type Contact Us.
3. Enter your concern, then select Let's Talk.
4. Choose a way to connect.

You can contact us from Mondays to Fridays, 6 AM to 6 PM PT, and Saturdays, 6 AM to 3 PM PT.

For detailed information, refer to this article: Contact Payments or Point of Sale Support.

Moreover, I'd also like to share this link that can serve as your reference where you can search for articles to learn more about QuickBooks Payments: QuickBooks Payments Help Articles.

For additional QuickBooks-related concerns, don't hesitate to post them here in the Community. We're always available and willing to lend a hand to your queries. Have a great day ahead.

UPDATE

None of the solutions offered resolved my payment link problem. I decided to take a chance and reach out to the president of Intuit via email. I was pleasantly surprised to receive a phone call a few hours later from Suzie, Senior Supportability, Office of the President. She listened carefully to my issues and then followed up with an email. I am pleased to say the issue I was having with QuickBooks has now been resolved.