Good luck with a card reader for Desktop.  I spoke to someone at QB and they said their portable card reader (with chip reader) would work on the desktop.  Then when I received them it would work so I contacted Tech Support and after explaining everything to a nice gentleman in India they finally switched me over to the US Tech Support and I was told it would not work.  So after speaking with (5) Quick Books Representatives to get a return order number I went ahead and purchased the MagTek card reader.  However it doesn't have a chip reader.  Now I'm dreading contacting Tech support AGAIN to get this one set up.