Easy Tech TutsHow to Set Up QuickBooks Payments and Accept Credit Card and ACH Easily 2026
By Impran M N
Enabling QuickBooks Payments lets your clients pay invoices online through a card swipe or direct ACH transfer, without routing through a separate third-party processor. This guide covers the merchant onboarding process, setting your deposit account, and turning on payment options for invoices.
01Open Account and Settings
Click the Gear icon and select Account and Settings, then go to the Payments tab in the left-hand sidebar.
02Start the merchant application
Click the Learn More or Connect button inside the QuickBooks Payments section to begin onboarding.
03Enter your business details
Fill in your business structure and owner information in the secure merchant form.
04Link your deposit account
Select the checking account where your payouts should land, then click Activate Payments to run the automated approval.
05Enable payment options and test
Check the boxes for Credit Card and ACH to enable both globally, then create a test invoice to confirm the payment links appear correctly.
Frequently asked questions
How long does merchant approval take?
The setup uses an automated instant approval system, though final confirmation can vary depending on your business details.
Can I offer only ACH and not credit card, or vice versa?
Yes, the invoice defaults let you check or uncheck Credit Card and ACH independently to control which options customers see.
Where do processed payments actually deposit?
They settle into the bank account you selected during setup, and you can track the payout timeline in the Deposits ledger.
Can I see how much I'm paying in processing fees?
Yes, the built-in merchant fees dashboard inside the Payments panel tracks your processing costs over time.
Watch the full walkthrough
The same steps, demonstrated on screen from start to finish.
