Should I use the merchant service screen or QB sales receipt to charge a customers card? What is the difference and the correct process for the first time? Thank you.

Your confusion ends here, @Jennifer529.

Allow me to fill you in on everything you need to know about processing credit card payments in QuickBooks Online.

You can use both your merchant account or QBO to charge your customer's credit card. However, it's more convenient to use QBO when you want to process invoices or sales receipts for your customers. If you want to use QBO, you'll want to connect your Merchant Service account to your QBO account. Here's how:

1. Click the Gear icon, then select Account and Settings.
2. Go to the Payments section.
3. In the Existing account section, choose Connect.
4. Quickbooks will search for any Merchant accounts associated with your user id.
5. Confirm that the correct Merchant account is listed.
6. Select Link account to link the account.

Once done, you can now accept electronic customer payments for online invoices and in-person sales. For more guidance, feel free to check out this article: Take and process payments in QuickBooks Online.

You might want to learn more about the common industry terms to help you accept credit card payments in QuickBooks Online. This article will provide you with detailed information: Common terms to process credit cards for Intuit Payments.

Keep in touch if you need any more assistance processing payments in QBO, or there's something else I can do for you. I've got your back, @Jennifer529.

Hello Mark. I am trying to respond on my desktop.  I keep receiving " Authentication Failed". Using phone to respond

Hello, Jennifer529.

I'll share additional details about processing payment through the Merchant Service Center screen.

Yes, you're correct. If your bank account is listed in the Payment area, you'll be able to charge a card on a sale receipt.

The answer to  your second questions is yes. The transactions will show up in your bank feeds. However, if you process payment directly through the Merchant Service Center, you'll have to manually record those payment in QuickBooks since merchant service will not download them to QuickBooks.

Processing invoice payments or sales receipts for your customer is easier in QuickBooks Online. This way, you'll be able to match transactions as soon as they appear in your bank feeds.

For more details, you can review this article to learn more about processing payments in QuickBooks Online: Take and process payments in QuickBooks Online.

In addition, I've included this resource to ensure transactions are put in the correct accounts: Categorize and match online bank transactions in QuickBooks Online.

I appreciate your time for visiting us in the Community space. Please let me know if you have follow-up questions about processing payments. I'll get back with more details.

Is the QB merchant service screen similar to Auth.net?  If I charge a card on Auth.net I receive an email with the authorization.  Then I can receive payment in QB with this authorization number as the payment number to the customers invoice or receipt. I was just curious if it was the same. 

One more question.  Do I need the customers billing address and zip to process the credit card?

Great to have you in the Community space, res@finisroadrvp.

I'll make sure you'll receive the best support available so this gets taken care of right away. 

Let me direct you to our Merchant support team. There, one of our live agents can securely look into your account and can confirm to you if QuickBooks merchant and Auth.net are similar. 

They can also verify if you still need to have your customer's billing address and zip to process a credit card payment.

Additionally, you can also check out this link for additional details: Process a credit card payment in QuickBooks Online.

Furthermore, in case your customer overpays, I got you this article that can guide you on how to handle the process: Handle a customer credit or overpayment in QuickBooks Online.

You can count on me anytime you need help with your invoices and payments. It's always my pleasure to assist you and ensure you run your business seamlessly. Keep safe and happy holidays!

Would you give me a crash course on different payment options that QB supports? I've been asked if I take all different kinds of payments.  Examples: PayPal, square etc. Does QB support these companies? And if so how does that work? And Some companies I've never heard too. 

I'm set up in QB payments.  My small bank is listed in my QB payments account. I don't think my bank has merchant services.  I have not yet charged a credit card.  Does QB payments have merchant services and gateway all built in as one?  

I apologize for all the questions.  I just want to educate myself so that I can accommodate my new customers.  Thank you so much.  QB community is great

Thanks for getting back here in Community, res@finisroadrvp. I'd be glad to provide information about QuickBooks Payments.

The process of QuickBooks Payments is also the merchant service itself. With this, you can do more than just track your accounting; you can process customer payments too.

If you already use an external payment processing service, like Square, we have apps that sync your data with QuickBooks. However, the easiest way to process payments and track the accounting is with QuickBooks Payments. Learn more about compatible external payment options.

You can accept payments using a credit card, debit card, and ACH bank transfers for invoices you send and sales you make. It is always just the way to let customers pay, no matter how or where you work.

Furthermore, if you mean the gateway built-in one is a third-party app, then it is called e-commerce.

If you haven't connected your QuickBooks Payments with QuickBooks Online, see this article.

I've included a list of articles that may help you with the most commonly asked questions: QuickBooks Payments FAQ.

I'm just one post away if you need help with QuickBooks Payments. I'll be here to ensure your success. Take care always!