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QuickBooks Credit Card Processing Not Working
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Is QuickBooks Credit Card Processing Not Working? Must Try!

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Is your QuickBooks credit card processing not working? If yes, then continue reading this article to gain deep insights into this issue. This issue can lead to major payment problems in QuickBooks. Credit card processing issues can arise in the form of different error messages. We have explained them, along with their causes and solutions, in this detailed guide.

Problems processing credit card payments can lead to panic and frustration. They can also lead to payment delays or declined payments. If you need expert assistance fixing this issue, reach out to our team of QB professionals at 800-580-5375, and they will guide you every step of the way.

Possible Error Messages and Their Causes 

Unknown credit card errors in QuickBooks can arise in the form of different errors. Each of these errors can occur due to different reasons. The list given below refers to all such errors, along with the reasons why they appear –

Error Messages Causes 
Dimmed credit card box on invoice/sales receiptThe customer you are trying to create the invoice for has been set up as a non-Canadian currency customer.
Troubleshoot credit card processing errorsThe credit card information might be inaccurate or be entered for a non-Candian credit card. There are excessive cache and cookies. The customer might be trying to submit the information without a pay now link on an invoice. 
Missing credit card box on invoiceThe invoice setup might be incorrect.  There are excessive cache and cookies.
Partial payments and the Pay Now link on invoicesA partial payment is submitted, while the Pay Now link only accepts the full payment amount.
Credit card processing is slow on certain stationsThe QuickBooks version might be outdated. There is data damage on the company file The QuickBooks program might be damaged.

Now, let’s move to the next section and learn how to eliminate these error messages.

Solutions to Follow If Customers’ Credit Card Payment is Not Processing

An error while accepting credit card payments in QuickBooks can prevent users from completing the transactions. In this section, we will discuss different error messages and the solutions to eliminate them effectively –

Case I: Dimmed Credit Card Box on Invoice/Sales Receipt

QuickBooks Payments processes Canadian credit cards from Canadian customers. If the credit card option is dimmed or unavailable, the customer might be set up as a non-Canadian customer. To fix this issue, you can assign a foreign currency to the customer or edit the customer’s currency by using the solutions below – 

Solution 1 – Assign Foreign Currency to a New Customer

Assigning a foreign currency will help record transactions in the currency in which the customer pays you. To assign a foreign currency to a new customer, implement the steps given below –

  1. Go to the Customers & Leads section, then select Customers, and click New Customer.
  2. Next, open the Customer Information window and select the customer’s currency from the Currency drop-down field.
  3. Fill out the required information and click Save to apply the changes. 

Once done, rerun QuickBooks and check if the credit card is processing without issues. Alternatively, you can change the assigned currency for the customer using the next solution.

Solution 2 – Change the Assigned Currency for the Customer

Follow the steps given below to edit a customer’s currency once it has been entered –

Step 1 – Make the Customer Inactive

Go through the steps mentioned below to make the customer inactive –

  1. Go to the Customers & leads section,  select Customers, and then find the customer for whom you want to change the currency.
  2. Further, select their name, click Edit, then take note of all their information.
  3. Lastly, select Make inactive, then click Yes to confirm the action.

Once done, move to the next step and create a new customer. 

Step 2 – Create a New Customer in QB

You can create a new customer and assign them the preferred currency in the following manner –

  1. In the Customers & leads section, select Customers, then click New Customer.
  2. Fill out the fields using the info you took note of earlier.
  3. Further, go to the Payment and Billing tab, then choose a currency from the “This customer pays me with dropdown menu. 
  4. Lastly, add a currency to their display name, then select Save to confirm the changes. 

After the customer’s currency is changed, check if you are able to process the credit card payment. Review the status of the issue and ensure that the “QuickBooks credit card not working” issue is fixed.

If you are facing some other credit card processing errors, move to the next section to troubleshoot them. 

Case II: Troubleshoot Credit Card Processing Errors

If you are facing issues while manually processing a credit card, follow the solutions given below to resolve them –

Solution 1 – Confirm the Customer’s Credit Card Information

Have the customer confirm the credit card information to ensure that the information is for a Canadian credit card with enough available funds. If the info is incorrect, you can update the correct credit card details in the following manner – 

  1. Go to Customers & leads, select Customers, and choose the customer you want to edit.
  2. Next, select Edit in the upper right corner. If you can’t locate the Edit button, set up the credit card payment methods in the Payment List.
  3. Further, find the Payments section and select the current card number below the Preferred payment method line.
  4. Select the Add link in the upper right corner, then enter the new card information, and hit Save.

Make sure the new credit card info pertains to a Canadian credit card and has enough funds. Then, check if the credit card processing issues are fixed. If not, move to the next solution and delete the cache and cookies. 

Solution 2 – Clear the Cache Files and Cookies 

Clearing the cache files and cookies can help fix certain problems, like loading or formatting issues. To clear the cache files and cookies in Google Chrome, follow these steps – 

  1. Open Chrome, select More from the top-right corner, and click Clear Browsing Data.
  2. Select a time range, like All Time, then select the information you want to remove. 
  3. Lastly, click Clear Data and wait for the cache files and cookies to be removed. 

Now, try processing the credit card payments, but if the CC processing is not working, move to the next solution.

Solution 3 – Submit the Information through a Pay Now Link on an Invoice

You can resolve the credit card processing issues by having the customer submit the information via a Pay Now link on the invoice. To add a Pay Now button to the invoice, follow these steps –

  1. Open QBO, click on the Gear icon, then choose Account and Settings.
  2. Further, in the Payments section, click on Learn more and fill out the company information.
  3. Now, you’ll be routed to this QuickBooks Payments page; after that, click Add QuickBooks Payment. 

The application will take about 24-28 hours, and once it is approved, you will receive a confirmation mail. Once you have completed it, you can start sending invoices with the Pay Now button. 

Now, try processing the credit card payment to ensure that the processing issues are resolved.

On the other hand, if the credit card box is missing on the invoice, move to the next section and fix the issue. 

Case III: Missing Credit Card Box on Invoice

If you don’t see the credit card box while trying to create an invoice, the invoice setup might be incorrect. This scenario can be why QuickBooks is unable to process credit cards and can be fixed by using the following solutions –

Solution 1 – Check the Invoice Setup 

You need to check the invoice setup and ensure that it is correct by implementing the steps given below –

  1. Select the Gear icon, then select Account and Settings, and click Sales from the left-side menu.
  2. Now, navigate to the Online Delivery section, click on the Pencil icon, and make sure that the additional options drop-down is set to Online Invoice.
  3. Lastly, select Save, then click Done to exit the settings.

Once you have successfully set up your account for invoices with payments, check to see if the credit card processing issues are fixed. If the CC processing issues persist, move to the next solution.

Solution 2 – Remove Cache and Cookies

If the above solution doesn’t work, fix the missing credit card box issue while creating the invoice by clearing the cache and cookies. See ‘Solution 2: Clear the Cache and Cookies’ of ‘Case II: Troubleshooting Credit Card Processing Errors’ above. Then, check the status of the credit card processing issue in QB.

If you are experiencing issues with partial payments when using the Pay Now link, follow the troubleshooting solutions in the next section.

Case IV: Partial Payments and the Pay Now Link on Invoices 

The Pay Now link on invoices is designed to accept the full payment amount. Hence, if a partial payment is made, the link won’t work a second time. This can be a major reason why CC processing is not working while submitting partial payments. To fix this, the merchant needs to manually process the rest of the payment. Follow the solution mentioned below to receive a payment towards an invoice –

Solution – Manually Receive the Partial Payment Towards the Invoice

Implement the steps given below to receive the partial payment towards the invoice –

  1. Select New, then choose Receive payment or Receive invoice payment, and enter the customer information and payment date.
  2. Now, move to the Outstanding Transactions section and select an open invoice to apply the payment. To receive a partial payment, edit the amount in the Amount Received field.
  3. Further, select Credit card from the Payment method drop-down menu and click Enter credit card details.
  4. Enter the credit card information, then click Use this credit card in the future to save the customer’s credit card.
  5. Select Process credit card, click Save, then hit Save and close or Save and New to end the process.

After the process ends, you will have successfully paid off the customer invoice. Then, check the status of the credit card processing issues in QB to confirm they are fixed.

On the other hand, if the card processing is slow in QB, follow case 5 below to learn how to fix the issue.  

Case V: Credit Card Processing Slow on Certain Stations

If QuickBooks credit card processing is slow, it can lead to payment problems. To fix the slow processing issues, follow the troubleshooting solutions mentioned below –

Solution 1 – Update QBDT and Process the Credit Card Again 

Firstly, ensure that your QuickBooks version is up-to-date. This makes sure that you have the latest features, improvements, and fixes. You need to update QuickBooks and process the credit card again in the following manner – 

Step 1 – Download the Latest QuickBooks Updates 
  1. Exit the company files and QB, then look for QuickBooks Desktop in the Windows Start menu. 
  2. Right-click the QB icon, choose Run as Admin, then go to the No Company Open window.
  3. From the Help menu, select Update QuickBooks Desktop, click the Options tab, and choose Mark All
  4. Next, click Save and go to the Update Now tab, then select the Reset Update checkbox.
  5. Lastly, click Get Updates, and once the updates are downloaded, rerun QuickBooks to install them. 

After updating QB, try processing the credit card again in step 2. 

Step 2 – Process the Credit Card Again

Try processing the credit card in QuickBooks by implementing the steps below –

  1. Sign in to the Merchant Service Center, then go to the Processing Tools section, and click Charge a Card.
  2. Complete the given fields and add comments if needed. Remember, the comments will only be visible to you and the cardholder.
  3. After processing the payment, wait for the confirmation page to appear, then select Print, E-mail, Void, or Done.

Check if you are able to process the credit card successfully. If you are still unable to process credit cards in QuickBooks, move to the next solution. 

Solution 2 – Open a Sample File and Check Where the Issue Lies

By opening a sample file, you can find out if the issue lies within the company file or the QB program. Follow the detailed steps given below to open a sample file in QB –

  1. Firstly, launch QuickBooks, go to the File menu, then choose Close Company.
  2. Now, go to the No Company Open window and select the drop-down arrow next to the Open a sample file icon.
  3. Lastly, choose a sample QB file and open it.

If the sample file opens successfully, there might be damage in the original company file that can be fixed by using the Verify/Rebuild Data tool. However, if the sample file doesn’t open, the QB program might be damaged. In such a case, repair QuickBooks using the Quick Fix My Program and QuickBooks Install Diagnostic Tool in QuickBooks Tool Hub.

Run Quick Fix My Program Tool
  1. Launch QuickBooks Tool Hub and select the Program Problems tab in the left pane.
  2. Select the Quick Fix My Program Tool option and let it run to fix minor glitches in the program.
  3. Once the Quick Fix My Program closes automatically, run the QuickBooks Install Diagnostic Tool to repair the QuickBooks installation.
Run QuickBooks Install Diagnostic Tool
  1. Go to the Installation Issues tab in the left pane in QuickBooks Tool Hub and select QuickBooks Install Diagnostic Tool.
  2. Let the QuickBooks Install Diagnostic Tool run, detect, and fix installation issues, which might sometimes take upto 20 minutes.
  3. Once the Install Diagnostic Tool closes automatically, restart your system and run QuickBooks.

Once done, update QuickBooks again and relaunch it. Then, try processing a credit card to ensure that the issues are resolved.

Conclusion 

We hope this detailed guide helped you resolve the credit card processing issues successfully. However, if QuickBooks credit card processing is not working even after performing these solutions, you will need expert assistance. For this, you can reach out to our team of QB professionals by dialing 800-580-5375 and get the issues resolved as soon as possible.

FAQs

How long does a credit card payment take to process in QuickBooks?

QuickBooks deposit your funds within five business days after the first payment is made. However, the first payment might take longer as the merchant account is set up. After that, the credit card payments in QB will be deposited within two business days.

How can I check my payment status in QuickBooks?

To check the payment status in QB, follow the steps below –

For QB Online 
• Sign in to QBO, move to the Get Paid & Pay tab, then click Deposits.
• Select the bank deposit you want to review, then check the payment status.
For other QB Products 
• Sign in to the Merchant Service Center, select Activities and Reports, then click Deposits.
• Select the Date Range from the Dates field, then click Search.

Now, you can check the particular payment and review its status.

How can I add a credit card processing fee in QuickBooks?

To manually add a credit card processing fee to your invoice, follow the steps below –

• From the left navigational bar, go to the Get Paid and & Pay tab, then choose Product & Service.
• Click New, select Service, and enter the name of your service item (for example – CC Fee).
• Further, select the account you’d use to track the processing fees, then click Save and Close.

Then, add the CC fee to your invoice when you charge your customers the processing fee.

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