QuickBooks Merchant Services

Security concerns continue to play a major role in purchases made via the Internet. For online merchants, a hacker break-in can have potentially devastating consequences, including service disruptions, vandalism, extortion, and the loss of consumer confidence.

Because of the potential risk, Visa, MasterCard, Discover® Network and other card associations require merchants to keep all systems and media containing cardholder account information in a secure manner to prevent access by, or disclosure to any unauthorized party. Additionally, all sensitive cardholder information that the merchant no longer considers necessary to retain must be destroyed in a manner that will render the data unreadable.

If an intrusion occurs, the merchant must notify IMS immediately and provide complete information about the compromise. The merchant may be required to engage a data security firm to assess the vulnerabilities of the merchant's data storage and systems.

To help combat the security threats associated with electronic commerce, the associations (MasterCard, Visa, Discover Network and others) have developed cardholder data security requirements for all merchants storing account data. This compliance initiative is known collectively as PCI. The payment card industry standards are available at the following Web sites: https://sdp.mastercardintl.com, http://usa.visa.com/business/merchants/cisp_index.html and http://www.discovernetwork.com/fraudsecurity/disc.html. We encourage you to visit these Web sites to obtain the complete requirements as failure to comply with the security standards or failure to rectify a security issue may result in fines, restrictions, or permanent prohibition to participate in the card acceptance program. Fines or assessments imposed will be the responsibility of the merchant.

The PCI Requirements

An easy to remember list of 12 basic security requirements with which all payment system constituents need to comply:

Data Security Standard
Build and Maintain a Secure Network	Install and maintain a firewall configuration to protect data Do not use vendor-supplied defaults for system passwords and other security parameters
Protect Cardholder Data	Protect stored data Encrypt transmission of cardholder data and sensitive information across public networks
Maintain a Vulnerability Management Program	Use and regularly update anti-virus software Develop and maintain secure systems and applications
Implement Strong Access Control Measures	Restrict access to data by business need-to-know Assign a unique ID to each person with computer access Restrict physical access to cardholder data
Regularly Monitor and Test Networks	Track and monitor all access to network resources and cardholder data Regularly test security systems and processes
Maintain an Information Security Policy	Maintain a policy that addresses information security

Separate from the mandate to comply is the validation of compliance. Listed below is the current criterion for validation.

Merchant levels defined

All merchants will fall into one of the four merchant levels based on annual transaction volume. The transaction volume is based on the aggregate number of Visa or MasterCard transactions from a Doing Business As (DBA) or a chain of stores (not of a corporation that has several chains). Merchant levels are defined as:

Visa or MC Level 1

Any merchant processing over 6,000,000 transactions annually, from any acceptance channel.

Any merchant that has suffered a hack or an attack that resulted in an account data compromise.

Any merchant that Visa or MC, at its sole discretion, determines should meet the Level 1 merchant requirements to minimize risk to the system.

Any merchant identified by any other payment card brand as Level 1.

Visa Level 2

MC Level 2

Any merchant processing 1,000,000 to 6,000,000 Visa transactions annually, from any acceptance channel.

Any merchant processing 150,000 to 6,000,000 MC e-commerce transactions annually.

Visa Level 3

MC Level 3

Any merchant processing 20,000 to 1,000,000 Visa e-commerce transactions annually.

Any merchant processing 20,000 to 150,000 MC e-commerce transactions annually.

Visa Level 4

MC Level 4

Any merchant processing fewer than 20,000 Visa e-commerce transactions annually or less than 1,000,000 transactions from any acceptance channel annually.

Any merchant processing fewer than 20,000 MC e-commerce transactions annually, or less than 6,000,000 transactions from any acceptance channel annually.

Compliance validation basics

In addition to adhering to the PCI Data Security Standard, compliance validation is required for Level 1, Level 2, and Level 3 merchants, and may be required for Level 4 merchants.

Level	Validation Action	Validated By	Due Date
Visa and MC Level 1	Annual On-site PCI Data Security Assessment and Quarterly Network Scan	Qualified Data Security Company or Internal Audit if signed by Officer of the company Qualified Independent Scan Vendor	6/30/05
Visa Level 2	Annual PCI Self- Assessment Questionnaire Quarterly Network Scan	Merchant Qualified Independent Scan Vendor	9/30/07
MC Level 2 and Visa and MC Level 3	Annual PCI Self- Assessment Questionnaire Quarterly Network Scan	Merchant Qualified Independent Scan Vendor	6/30/05
Visa and MC Level 4	Merchants are required to comply with PCI Data Security Standards. Self Assessment Questionnaire and Quarterly Network Scans are not required but it is strongly suggested that they do.	Not required (Strongly Suggested)	N/A

2. How do I process credit cards?

You process credit card payments from within QuickBooks using the same windows that you use to enter other types of payments (such as cash or checks).

To enter a sale and immediate payment, use the Enter Sales Receipts window.
To receive a payment from an invoice or statement charge, use the Receive Payments window.
Select the Process credit card payment when saving checkbox. (If you're using the QuickBooks card reader, click the Swipe Card button on the toolbar and follow the onscreen instructions).

For detailed instructions, look up "merchant service, entering customer payments" in the QuickBooks Help index or go to the Getting Started Guide.

3. When will any funds appear in my bank account?

Funds are deposited in your designated bank account within 1-5 business days. The waiting period, known as the "time to funding," varies depending on the time of day you enter transactions, which financial institution you choose for your merchant service transactions to be deposited in, and how long it takes your bank to verify and process electronic deposits.

4. What is AVS?

AVS (Address Verification Service) is a fraud prevention feature that checks your customer's address used for the purchase against the address used for their credit card statements. AVS is only an indicator of potential fraudulent activity, since there are many reasons a customer's billing and shipping address could differ. It is up to the merchant to decline or accept a customer's payment if the AVS code indicates conflicting addresses.

5. How do I obtain and process a voice authorization?

If a credit card transaction cannot be authorized electronically (for example, if your software or equipment isn't working), you can authorize the transaction by phone.

A voice authorization does not mean the transaction was processed, it simply indicates the cardholder has funds available. You still need to process the transaction to receive the funds.

The first step is to authorize the transaction, which secures the funds for your use. You then process the transaction in QuickBooks. See below for details.

Step 1: Obtain authorization

Call the appropriate voice authorization center:

Card Type Phone number

Visa/MasterCard (800) 228-1122

American Express (800) 528-2121

Discover Network (800) 347-1111
Provide the following information:
- Your merchant number
- Credit card number
- Card expiration date
- Purchase amount
Write down the authorization code.

Step 2: Process the transaction in QuickBooks

Return to the original transaction in QuickBooks.
Save the transaction again.
In the Process Credit Card Payment window, click the Voice Authorization Number link.
In the Voice Authorization section, enter the number you received when you called the voice authorization center
Click submit at the bottom of the window

Note: If a sale is canceled after you receive authorization but before processing the payment, you need to cancel the authorization. Call the voice authorization center number (listed above) for the card processed.

6. How do I void a transaction?

A void is the reversal of a charge or credit prior to the settlement process. You can void a credit card transaction up to 3:00 PM Pacific Time on the day you process it. After that time, the transaction has been settled and cannot be voided.

Voiding a transaction has no effect on the cardholder's credit limit. It simply removes the transaction from the settlement batch submitted to the financial institution.

Display the customer's payment in the Receive Payments or Enter Sales Receipts window. To find a recent credit card payment, open the Receive Payments or Enter Sales Receipts window and use the Previous button to display previous payments.
From the Edit menu, choose Void Payment or Void Sales Receipt.

To reverse a credit card payment after the settlement period, you must issue a credit to the customer instead.

7. I can't log in. What should I do?

If you are having trouble logging in, first try to recover your user name and password by clicking the links on the login page.

If you still cannot log in, you will need to call QuickBooks Customer Support at (800) 558-9558.

8. How do I start using the Merchant Service with a different company file?

You can use your QuickBooks merchant service with only one QuickBooks company file at a time. You may need to update your merchant service if:

You upgraded to a new version of QuickBooks and did not choose to transfer the Merchant Service to your new company file.
You created a new QuickBooks company file for your current business (for example, a new company file for the new tax year) and did not choose to transfer the Merchant Service to the new company file.

Follow the steps below to get your QuickBooks Merchant Service working in QuickBooks:

Open the company file you want to use with your QuickBooks Merchant Service
On the Customers menu, choose Credit Card Processing Activities and then Process Payments.
On the Welcome page, click the Update Account button and follow the onscreen instructions.

9. How long does a typical transaction take?

Typically, you will be sent a response within 3 seconds. If you do not receive a response, or if you receive a "time out" error message, there may be a problem with your Internet service or other networking functionality. If this occurs, verify that your Internet connection is working. If you continue to experience errors, contact QuickBooks Customer Support at (800) 558-9558.

10. What types of credit cards can I accept with QuickBooks Merchant Service?

With QuickBooks Merchant Service, you can accept all Visa, MasterCard and Discover Network credit and debit cards, as well as American Express and JCB cards. At this time, we do not offer the ability to accept PIN debit transactions, but you can process debit cards in the same way you process credit cards. The fees and policies are exactly the same for Visa, MasterCard and Discover Network credit and debit card transactions.

General

1. I have more than one business. Do I need Merchant Service set up for each one?

Yes. Your QuickBooks Merchant Service is approved and created based on information you submit about a single company. For this reason, you can use your merchant service with only one QuickBooks company file at a time. If you have more than one business, you must submit a separate application for each business under separate company files.

When you apply for another merchant service, you must enter a different login name and password on the application. You cannot use the same login name and password that you entered on an application for another business.

2. How do I start using the QuickBooks Merchant Service with a different company file?

You may need to update your merchant service in the following situations:

You upgraded to a new version of QuickBooks and did not choose to transfer the Merchant Service to your new company file.
You created a new QuickBooks company file for your current business (for example, a new company file for the new tax year) and did not choose to transfer the Merchant Service to the new company file.

Follow the steps below to get your QuickBooks Merchant Service working in QuickBooks:

Open the company file you want to use with your QuickBooks Merchant Service
On the Customers menu, choose Add Credit Card Processing and then Learn about processing options. On the Welcome page, click the Current Customers: Login to activate your account button and follow the onscreen instructions.

3. How do I cancel the QuickBooks Merchant Service?

If you want to close your QuickBooks Merchant Service, please call QuickBooks Customer Support at (800) 558-9558.

4. Can I accept credit card payments from my eCommerce Web site?

Yes, you can now accept all major credit cards through your Web store. Learn More.

5. Can I use my existing QuickBooks Merchant Service account for my web-store?

Yes, in most cases you can use the same account for all of your online and offline processing. While most other merchant account services require you to have separate accounts for your web-store transactions and your offline transactions, with QuickBooks Merchant Services it is only $9.95 per month to add support for your web-store to your existing account.

6. Will I need a separate merchant account to process on my web-store?

You should be able to use your current merchant account to process on your web-store. Certain conditions such as doing business under a different name or selling different product/service online may require you to get a separate merchant account.

7. Are there any restrictions on what I can sell?

Any customer who knowingly and deliberately supplies false information will be denied access to the QuickBooks Merchant Service.

Sellers cannot use this service to engage in the selling and/or distribution of specific types of goods and services, such as:

Adult membership sites
Adult related products
Audio text
Custom golf clubs
Gaming, lottery
Sweepstakes
Pyramid schemes
Escort services
Credit card insurance programs
Online trading (brokerage)
Travel and travel related businesses
Airlines
Videotext
Mail order herbal remedies
Multi-level marketing companies
Online newsletters
Materials and/or information that is considered grossly offensive or libelous
Illegal substances and/or activities
Products and services that infringe on the trademarked or copyrighted property of others

QuickBooks Merchant Services reserves the sole right to disallow or terminate any online merchant on the basis of inappropriate or illegal goods or services.

Logging In & Getting Started

1. I can't log in. What should I do?

If you are having trouble logging in, first try to recover your user name and password by clicking the links on the login page.

If you still cannot log in, you will need to call QuickBooks Customer Support at (800) 558-9558.

2. How do I use my existing QuickBooks Merchant Service after I upgrade to a later version of QuickBooks?

Your existing QuickBooks Merchant Service will automatically work with your new version of QuickBooks, as long as you choose to update your existing company data when you install your new version of QuickBooks.

If you create a new company file, you will need to transfer your Merchant Service:

Open the company file you want to use with your QuickBooks Merchant Service.
Choose Add Credit Card Processing on the Customer's menu and then Learn about processing options.
Click the Current customers: login to activate your account button on the Welcome page and follow the onscreen instructions.
Enter the e-mail address that you used when you signed up for the QuickBooks Merchant Service.

3. How do I start using my merchant service in QuickBooks if I applied for the service on the QuickBooks.com Web site?

If you signed up for the service on the Web site, rather than from within QuickBooks, you will need to take some additional steps to get the Merchant Service working with QuickBooks:

Start QuickBooks and open the company file you want to use with your QuickBooks merchant service.
On the Customers menu, choose Add Credit Card Processing and then Learn about processing options.
On the Welcome page, click the Current customers: login to activate your account button and follow the onscreen instructions. You'll be prompted to enter the e-mail address you used when you signed up for the QuickBooks Merchant Service.

4. How do I update my merchant service profile?

From the QuickBooks Company menu, choose Advanced Service Administration. You may be asked to provide your QuickBooks Business Services login name and password.
Click an item in the Account Information area to make changes.

Statements

1. Will I receive statements?

Yes. You will be sent a statement by U. S. Mail at the end of each month.

2. What should I do if I don't receive a statement or my statement contains a mistake?

If you do not receive a statement, or you believe there is an error on your statement, contact QuickBooks Customer Support at (800) 558-9558.

Processing and Credits

1. How do I process credit cards?

You process credit card payments from within QuickBooks using the same windows that you use to enter other types of payments.

To enter a sale and immediate payment, use the Enter Sales Receipts window.
To receive a payment from an invoice or statement charge, use the Receive Payments window.
Select the Process credit card payment when saving checkbox after recording the payment, to process the payment through the Merchant Service. Or, if you're using the QuickBooks card reader, click the Swipe Card button on the toolbar and follow the onscreen instructions.

2. How do I issue a credit for a transaction?

A refund is the reversal of a charge or credit after the settlement process has already taken place. To refund a credit card payment, you can issue the customer a credit. The credit will be processed online, using the QuickBooks Merchant Service.

From the Customers menu, choose Create Credit Memos/Refunds.
Enter information into credit memo and save (for example, by clicking Save & New) to process the transaction.
Choose the refund on the pop-up and then choose to issue a refund via credit card on the following refund form.

For more detailed instructions, look up "merchant service, refunds for customer payments" in the QuickBooks Help index.

3. How do I void a transaction?

A void is the reversal of a charge or credit prior to the settlement process. You can void a credit card transaction up to 7:00 PM Pacific Time on the day you process it. After that time, the transaction has been settled and cannot be voided.

Voiding a transaction has no effect on the cardholder's credit limit. It simply removes the transaction from the settlement batch submitted to the financial institution.

Display the customer's payment in the Receive Payments or Enter Sales Receipts window. To find a recent credit card payment, open the Receive Payments or Enter Sales Receipts window and use the Previous button to display previous payments.
From the Edit menu, choose Void Payment or Void Sales Receipt.

To reverse a credit card payment after the settlement period, you must issue a refund to the customer instead.

For information about voiding transactions, look up "merchant service, voiding customer payments" in the QuickBooks Help index.

4. How do I obtain and process a voice authorization?

If a credit card transaction cannot be authorized electronically (for example, if your software or equipment isn't working), you can authorize the transaction by phone.

A voice authorization is not the same as processing the transaction, it. simply assures that the cardholder has the available funds. You still need to process the transaction to receive the funds.

The first step is to authorize the transaction, which secures the funds for your use. You then process the transaction in QuickBooks.

Step 1: Obtain authorization

Call the appropriate voice authorization center:
Visa/MasterCard: (800) 228-1122
American Express: (800) 528-2121
Discover Network: (800) 347-1111
Be prepared to provide the following information:
- Your merchant number. (This number appears on your monthly statement, your imprinter, and in the approval e-mail you received when you first signed up.)
- Credit card number
- Card expiration date
- Purchase amount
You will be given an authorization code. Write this number down.

Step 2: Process the transaction in QuickBooks

Return to the original transaction in QuickBooks.
Save the transaction again.
Click the Voice Authorization Number link in the Process Credit Card Payment window.
Enter the number you received when you called the voice authorization center in the Voice Authorization section.
Click submit at the bottom of the window.

Note: If a sale is canceled after you receive authorization but before processing the payment, you need to cancel the authorization. Call the same number provided above.

5. How do I add Amex and JCB to my merchant account?

If you want to start accepting this type of card, simply contact QuickBooks Merchant Service Customer Support at 800-558-9558:

Visa, MasterCard and Discover Network: Your merchant service should be set up to accept these card types automatically. Contact QuickBooks Merchant Service Customer Support at 800-558-9558 to resolve any problems.

6. Why do I get an error when trying to process American Express cards?

With the QuickBooks Merchant Service, you can accept MasterCard, Visa, American Express, Discover Network and JCB. If you receive an error when trying to process a particular card, either you have not yet signed up to accept this type of card or there is a problem with your merchant service setup. If you need to process the transaction immediately, ask your customer for a different credit card or another form of payment.

If you already signed up to accept this type of card, you can resolve the problem by contacting Customer Support at (800) 558-9558. If you want to start accepting this type of card, simply contact Customer Support at 800-558-9558.

7. How long does a typical transaction take?

8. How does QuickBooks authorize transactions?

QuickBooks relies on financial institutions and payment processors for authorization. The QuickBooks Merchant Service does not evaluate any transactions. The service relies on the processing network of the financial institution that holds your merchant account to perform this function.

9. What is the difference between a "key entered" and "card swiped" transaction?

For a "key entered" transaction, the credit card does not need to be physically present to authorize the transaction. Instead, the credit card number is processed via the Internet, e-mail, telephone, or other similar means. Key-entered transactions are considered to carry a greater risk of fraud than card-swiped transactions and typically incur higher card processing fees as a result.

For a "card-swiped" transaction, the credit card is physically present at the time of sale and the merchant "swipes" it through a card reader. The card reader transmits the data encoded on the card's magnetic stripe to the processor. Card-swiped transactions are considered to carry a lower risk of fraud than key-entered transactions and typically incur lower card processing fees as a result.

You can qualify for the lower, card-swiped rate by using a card reader with your QuickBooks Merchant Service.

10. How do I set up recurring charges?

You can use Automatic Credit Card Billing, a feature of the QuickBooks Merchant Service, to bill a customer's credit card a fixed amount on a regular basis for recurring services, such as membership fees, insurance premiums, or subscriptions.

After you set up a recurring charge, your customer's credit card is billed automatically each period. As payments are processed, funds are deposited in the bank account you specified when you set up your QuickBooks Merchant Service.

Automatic Credit Card Billing is included in QuickBooks 2008 and higher. If your copy of QuickBooks is configured to automatically download updates from the Intuit server (this is the default setting), this new feature may be installed on your computer already. From the Customers menu, choose Credit Card Processing Activities, then Automatic Credit Card Billing.

If you do not see the Automatic Credit Card Billing menu, follow these steps to update QuickBooks:

From the File menu, choose Update QuickBooks.
On the Overview page, click Update Now.
Click the checkbox next to Service Messages.
Click Get Updates.
When the download is complete, restart QuickBooks.

11. How do I process credit cards remotely?

Virtual Terminal Plus is a feature of the QuickBooks Merchant Service that allows you to process credit card transactions almost anywhere - such as at a trade show or at home. All you need is a Windows PC and Internet Explorer 5.0 or later.

Virtual Terminal Plus requires QuickBooks Financial Software 2008 or higher. Learn More about how to set-up and use Virtual Terminal Plus.

12. What is a delayed capture, and when should I use it?

Use the delayed capture option any time you want to authorize payment for a product that will not be shipped that day or for a service that will not be performed within the current day.

Note that credit card authorizations tend to expire after 7 days. If you perform a delayed capture using an expired authorization, you may be subject to higher transaction fees. If the sale will not be completed within 7 days, consider waiting until the sale is complete before submitting the payment.

Step 1: Submit an authorization

From the QuickBooks Customers menu, choose Accept Credit Card Payments and then Manage Merchant Service.

You may be asked to provide your QuickBooks Business Services login name and password.

Click Transactions, and in the left pane click Manual Transaction.
From the Transaction Type drop-down menu, choose Authorization.
Complete the fields and click Submit.
Step 2: Submit a delayed capture

From the QuickBooks Customers menu, choose Accept Credit Card Payments and then Manage Merchant Service.

You may be asked to provide your QuickBooks Business Services login name and password.

Click Process Transactions, and choose Delayed Capture in the transaction type.
Enter the original transaction ID. You can find this ID by using the Search feature or generating a report.
Click Submit.

13. How does QuickBooks Merchant Service process credit card credits?

When you refund a credit card transaction using the Create Credit Memos/Refund window, QuickBooks gives you an option to issue a refund. On choosing that option, you can select the option to issue a refund via credit card.

14. Can I manually process transactions?

Yes. You can manually process transactions with an Internet Merchant Account. To enter a manual transaction:

From the Customers menu, choose Credit Card Processing Activities, and then choose Manage Merchant Service. Once the merchant service is successfully logged in, a screen displaying search transactions form will appear.
Click Process Transactions on the top of the Manager screen.
Change the Transaction Type to Sale. Required information to successfully process a sale includes: Credit Card Number, Expiration, Amount, and Card Zip code.
After you enter the information, click Submit at the bottom of the screen. Next, you will see an Approved or Declined message. After the card is approved, record the payment in QuickBooks.

15. What are Commercial Cards, and how do I process them?

Commercial cards include fleet cards, corporate cards, purchase cards, business cards. You process them just as you would any other credit card. You just need to provide the sales tax amount, even if it is $0.00. When the "Process Credit Card Payment" screen pops-up, QuickBooks will usually recognize that you are processing a commercial card and ask for the sales tax amount. If not, just click the "Visa Corporate Card" link and then enter the sales tax amount.

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Receiving Funds

1. When will funds appear in my bank account?

Funds will be deposited in your designated bank account within 1-5 business days. The waiting period, known as the "time to funding," varies depending on the time of day you enter transactions, which financial institution you choose for your transactions to be deposited in, and how long it takes your bank to verify and process electronic deposits.

2. Why is there a delay between processing a transaction and when funds are deposited in my account?

Processing a credit card transaction involves a number of different steps, each of which can result in delays:

Transaction is sent for settlement. Although credit card transactions you enter in QuickBooks are authorized immediately, they do not reach the processor until the next day. All transactions processed before 7:00 PM Pacific Time on a business day are accumulated by the gateway and sent to the processor the following day. Transactions processed after 7:00 PM Pacific Time, or on a weekend, are submitted the following business day.
QuickBooks Merchant Services reviews the transaction. When your transaction reaches the processor, there may be a delay to review the cardholder's charge history for any unusual activity before releasing the funds.
Funds are routed to your bank. Your bank then transfers the funds to your designated bank account using an electronic funds transfer.
Your bank credits your account. When the funds reach your bank, there may be a delay while your bank verifies the electronic transfer and posts the deposit.

If you do not receive your funds within five business days, or if you think the deposit amount may be incorrect, contact Customer Support at (800) 558-9558.

3. How do I account for the difference between my QuickBooks deposit and my bank deposit?

With QuickBooks Merchant Service in QuickBooks 2008, you can more easily match your individual credit card transactions with your bank deposit totals.

When processing payments choose Group with other undeposited funds. This will ensure that funds are not deposited into your QuickBooks bank register until your bank receives the funds.
When you are ready to deposit funds in your QuickBooks bank register go to the Payments to Deposit window. Select a view that displays credit card payments, such as MasterCard, Visa and Discover Network. Undeposited payments will be grouped by date so that they are likely to match with the batch of payments that QuickBooks Merchant Service deposits in your bank account.
- In QuickBooks 2008, select the Get Funding Status to find out which batches have been funded. Deposit funded batches to your bank register in QuickBooks.
Adjust your bank balance to account for fees.
- MasterCard, Visa and Discover Network Fees: MasterCard, Visa and Discover Network payments are deposited into your bank before any processing fees are removed. Fees will appear as a separate line item on your bank statement. In QuickBooks 2008 or higher you can download these fees directly into your bank account register to make your records accurate.
- Amex Fees: Non Visa/MasterCard/Discover Network payments are deposited to your account net of the processing fees. To account for these fees, use the Fee Calculator at the bottom of the Make Deposits screen.
- Service Fees: Service fees such as monthly fee and chargeback fees are debited automatically from your account. In order to keep your bank balance accurate in QuickBooks you need to reflect these fees. In QuickBooks 2008 or higher.
- You can download these fees directly into your bank account register to make your records accurate.

For more detailed instructions, look up "merchant service, matching bank and credit card accounts" in the QuickBooks 2008 Help Index.

4. How do I use QuickBooks to check which funds have been deposited in my bank account?

If you have QuickBooks 2008 or QuickBooks Enterprise Solutions 8.0 or higher, it is easy to find out which payments have been funded to your bank account. When processing credit card payments, choose to group payments with undeposited funds instead of sending directly to your bank account. On the Payments to Deposit screen, payments are automatically grouped into batches. Simply select Get Funding Status on the bottom of this screen and QuickBooks will tell you which batches have been funded. You can accurately reflect deposited funds in your QuickBooks bank register without ever having to look at your bank statement. Learn More.

5. How do I download my Merchant Service Fees into QuickBooks?

If you have QuickBooks 2008 or higher, you can access Fee Download from the Make Deposits Screen or from the Customers Menu. All MasterCard, Visa and Discover Network processing fees and any service related fees such as your monthly fee and chargeback fees can be downloaded. Simply select the fees you want to download and assign to the appropriate expense account. Fees are automatically debited from your bank account keeping your records up-to-date. Learn more.

Fraud & Security

1. What is AVS?

2. What do the AVS results mean?

The results of the AVS check are for your information only. The credit card payment is processed even if the AVS check indicates a mismatch between the address information you entered and the information on file at the cardholder's bank. If you decide not to accept a credit card because there is an address mismatch, you should void the transaction immediately (click Void Payment in the payment receipt window).

3. Is Address Verification Service (AVS) required on all transactions?

Yes. QuickBooks Merchant Service requires this feature on all Internet accounts to help cut down on fraudulent transactions. AVS should be done on all transactions and you should pay attention to the response and be prepared to possibly decline the transaction. The QuickBooks software automatically attempts AVS checks on every single key-entered credit card transaction.

4. Is my information secure?

QuickBooks Merchant Service uses one of the strongest Secure Sockets Layer (SSL) protocols available to encrypt and transmit transaction data. To prevent security problems, your sensitive transaction information is stored on secure systems. We also use hardware and software firewall technology and additional encryption technology to further reduce the opportunity for intruders to compromise information.

5. Who is responsible for credit card fraud and other liabilities?

As is typical with merchant services, you, as the merchant, retain full responsibility and liability.

Services & Technology

1. What is Virtual Terminal Plus and how does it work?

Virtual Terminal Plus allows you to process credit card transactions almost anywhere - such as at a trade show or at home. All you need is a Windows PC and Internet Explorer 5.0 or later. Learn More about how to set-up and use Virtual Terminal Plus.

Virtual Terminal Plus requires QuickBooks Financial Software 2008 or higher.

2. How does QuickBooks Billing Solutions work?

QuickBooks Billing Solutions is a service that allows you to e-mail invoices and statements directly from QuickBooks and enables them for online payment. Your customers can then elect to pay the e-mailed invoices or statements online by entering their credit card information on a Web page. Transactions are processed through the QuickBooks Merchant Service, and funds are deposited in the bank account you specified when you set up your QuickBooks merchant service.

3. How do I order the card reader?

You can qualify for the lower, card-swiped rate by purchasing a card reader from Intuit. This is a one-time cost of $89.00. The card reader attaches to your computer, so you can swipe credit cards and have your transactions automatically recorded in QuickBooks.

The card reader requires QuickBooks Financial Software 2008, or higher, or QuickBooks Enterprise Solutions 8.0.

If you currently have a QuickBooks Merchant Service and a supported version of QuickBooks, you can easily upgrade your service to take advantage of the card reader:

From the QuickBooks Customers menu, open the window you use to record payments: Receive Payments or Enter Sales Receipts.
Click Swipe Card, and then click the link to sign up.
You will be asked to verify your account information.
QuickBooks Merchant Services will send you verification that your account has been upgraded and a link to order your card reader. You can order the card reader only by using this link.

International

1. Can internationally based merchants sign up for QuickBooks Merchant Service?

No. Merchants physically located outside of the U.S. cannot process transactions with QuickBooks Merchant Service. Currently, only merchants with a physical business address in the U.S. and a U.S. checking account may process transactions.

Customer Support

For questions about QuickBooks Merchant Service, call us at (800) 558-9558.

Click here for additional terms and conditions by service.

QuickBooks Merchant Service for PCs

Top 10 Questions

General

Logging In & Getting Started

Statements

Processing & Credits

Receiving Funds

Fraud & Security

Services & Technology

International

Customer Support

Top 10 Questions

1. How do I make my business PCI compliant?

Cardholder Data Security Requirements Overview

The PCI Requirements

Separate from the mandate to comply is the validation of compliance. Listed below is the current criterion for validation.

Merchant levels defined

Compliance validation basics

2. How do I process credit cards?

3. When will any funds appear in my bank account?

4. What is AVS?

5. How do I obtain and process a voice authorization?

Step 1: Obtain authorization

Step 2: Process the transaction in QuickBooks

6. How do I void a transaction?

7. I can't log in. What should I do?

8. How do I start using the Merchant Service with a different company file?

9. How long does a typical transaction take?

10. What types of credit cards can I accept with QuickBooks Merchant Service?

General

1. I have more than one business. Do I need Merchant Service set up for each one?

2. How do I start using the QuickBooks Merchant Service with a different company file?

3. How do I cancel the QuickBooks Merchant Service?

4. Can I accept credit card payments from my eCommerce Web site?

5. Can I use my existing QuickBooks Merchant Service account for my web-store?

6. Will I need a separate merchant account to process on my web-store?

7. Are there any restrictions on what I can sell?

Logging In & Getting Started

1. I can't log in. What should I do?

2. How do I use my existing QuickBooks Merchant Service after I upgrade to a later version of QuickBooks?

3. How do I start using my merchant service in QuickBooks if I applied for the service on the QuickBooks.com Web site?

4. How do I update my merchant service profile?

Statements

1. Will I receive statements?

2. What should I do if I don't receive a statement or my statement contains a mistake?

Processing and Credits

1. How do I process credit cards?

2. How do I issue a credit for a transaction?

3. How do I void a transaction?

4. How do I obtain and process a voice authorization?

Step 1: Obtain authorization

Step 2: Process the transaction in QuickBooks

5. How do I add Amex and JCB to my merchant account?

6. Why do I get an error when trying to process American Express cards?

7. How long does a typical transaction take?

8. How does QuickBooks authorize transactions?

9. What is the difference between a "key entered" and "card swiped" transaction?

10. How do I set up recurring charges?

11. How do I process credit cards remotely?

12. What is a delayed capture, and when should I use it?

13. How does QuickBooks Merchant Service process credit card credits?

14. Can I manually process transactions?

15. What are Commercial Cards, and how do I process them?

Receiving Funds

1. When will funds appear in my bank account?

2. Why is there a delay between processing a transaction and when funds are deposited in my account?

3. How do I account for the difference between my QuickBooks deposit and my bank deposit?

4. How do I use QuickBooks to check which funds have been deposited in my bank account?

5. How do I download my Merchant Service Fees into QuickBooks?

Fraud & Security

1. What is AVS?

2. What do the AVS results mean?

3. Is Address Verification Service (AVS) required on all transactions?

4. Is my information secure?

5. Who is responsible for credit card fraud and other liabilities?

Services & Technology

1. What is Virtual Terminal Plus and how does it work?

2. How does QuickBooks Billing Solutions work?

3. How do I order the card reader?

International