Online Bill Pay being registered to credit card instead of checking account

I can help you fix your registered account on Online Bill Pay, 

EmilyMercado.

You'll have to ensure that you're choosing the correct bank upon processing a bill payment. Also, review your Online Bill Pay account to check the mapping if it's CC or a Checking account.

To correct the existing transaction, you'll have to pay down your credit card using the checking account to offset the balance. Let me show you how to do it:

1. Select + New then, Pay down credit card.
2. Select the credit card you made the payment to.
3. Enter the payment amount.
4. Enter the date of the payment.
5. Select the bank account you paid the credit card with.
6. Select Save and Close.

For more details about the process, please check this article: Record your payments to credit cards.

If you need help reconciling your account, you can check this article for details and a guide: Reconcile account in QuickBooks Online. 

I'll be right here to keep helping if you have any other concerns.

But I am using the correct account when I set up my bill pay - our checking account.

The options are: Checking (Free), Paper Check (Free), Credit Card (for a fee). I only ever choose Checking (Free) and it has my correct banking institution listed and when I check my bank account the transaction is listed.

It's when I go to the expenses page and click on the Bill Payment, instead of being listed under Checking it's under the Credit Card.

And then from the dropdown menu I have to correct it from CC to Checking which makes QB think I cancelled the payment so then I need to manually mark it as paid through ACH.

Seems like a lot of work just to make an online bill payment.

I’ll make sure this incorrect account when processing payment using Online Bill Pay will be taken care of, Emily.

I know it wasn’t ideal. To prevent this situation in the future, I recommend contacting our support team. They can check the issue further on why QuickBooks Online has registered the payment to your credit card even though it was deducted from your checking account.

Here’s how:

1. Log in to your QuickBooks Online account.
2. Select the Help (?) menu.
3. In the Assistant window, type in “Talk to a human” in the field.
4. Enter “Incorrect payment account when using Online Bill Pay,” then go to the Contact option.
5. Choose a way to connect with us:
   • Start a chat with a support expert.
   • Get a callback from the next available expert.

You can read these resources to learn more about the Online Bill Pay feature:

• Pay bills in Online Bill Pay
• Add a new bank account in Online Bill Pay

Moreover, you can use this guide if you want to pay your vendor by Bank Transfer (ePayment / ACH) moving forward: Set up a bank transfer to a vendor.

Don’t hold back to drop a comment below if you have any other questions or concerns besides Online Bill Pay transactions. I’m always here to help. Keep safe!