How to Turn Off Credit Card Payments in QuickBooks Online

In this comprehensive guide, we will delve into the intricacies of QuickBooks Online and explore the process of turning off credit card payments within the platform. Whether you’re seeking to streamline your payment processes or simply exploring your options, understanding the steps involved and the potential impact is crucial.

We’ll take you through each step of the process, from accessing the payment settings to confirming the change and discuss the implications of turning off credit card payments. We will explore the possibility of reactivating credit card payments and alternative payment methods available within QuickBooks Online. By the end of this article, you will have a clear understanding of how to navigate credit card payment settings in QuickBooks Online and the available alternatives, empowering you to make informed decisions for your business.

What is QuickBooks Online?

QuickBooks Online is a comprehensive business software designed to streamline small business accounting and financial management processes.

It offers a user-friendly interface that enables smooth tracking of expenses, income, and invoices. The software facilitates easy and accurate reconciliation of bank transactions, saving valuable time for business owners.

With its powerful reporting capabilities, QuickBooks Online provides insights into the company’s financial health, allowing informed decision-making. The software ensures compliance with tax regulations and offers seamless integration with various business applications, enhancing overall efficiency and productivity.

Why Would You Want to Turn Off Credit Card Payments in QuickBooks Online?

There are various reasons why businesses may need to turn off credit card payments in QuickBooks Online, including billing adjustments, changes in payment processing methods, or the need to deactivate specific payment options.

Billing considerations play a crucial role as companies may want to restructure their invoicing process or switch to alternative payment terms. Payment processing changes, such as transitioning to a different payment gateway or integrating new accounting software, can also prompt the disabling of credit card payments. This decision could significantly impact financial transactions, requiring thorough planning to ensure smooth continuity and compliance with regulatory standards.

How to Turn Off Credit Card Payments in QuickBooks Online

To turn off credit card payments in QuickBooks Online, users can navigate to their account settings and access the payment settings where they can adjust their preferences for payment options.

Once in the account settings, users should look for the ‘Payment Settings’ or ‘Payment Preferences’ section. Within this section, there should be an option to manage payment methods or enable/disable specific payment types. Users can then select the credit card payment option and disable it.

It’s important to review any associated user permissions or roles to ensure that the changes apply to all relevant users within the organization. After making the changes, users should ensure that the settings are saved to apply the modifications.

Step 1: Access the Payment Settings

The first step in turning off credit card payments in QuickBooks Online is to access the payment settings within your account preferences.

Once you are logged into your QuickBooks Online account, navigate to the gear icon in the upper right corner of the screen and select ‘Account and Settings’.

Within the ‘Payments’ tab, you will find options to manage payment settings. Click on ‘Payment Settings’ to access the various payment options including credit cards. Here, you can toggle off the credit card payments and make any other necessary adjustments to your payment preferences.

Step 2: Select the Credit Card Payment Option

Once in the payment settings, users need to locate and select the credit card payment option to proceed with the disabling process.

This can typically be found under the ‘Payment Methods’ or ‘Billing Information’ section, depending on the interface. After accessing the specific option, users may be prompted to enter their credit card details or choose from a list of saved cards. Upon selecting the preferred card, they can then proceed with the required process, whether it’s making a payment or updating their payment information.

Step 3: Click on “Turn Off Credit Card Payments”

After selecting the credit card payment option, the next step involves clicking on the designated ‘Turn Off Credit Card Payments’ button to initiate the deactivation process.

This action will prompt a confirmation dialogue to ensure that you intended to deactivate the credit card payments within QuickBooks Online. Once confirmed, the system will disable the credit card payment option, preventing any further transactions from being processed through this method.

It is important to note that this deactivation does not delete any previous credit card transaction data, ensuring that your financial records remain accurate and comprehensive.

Step 4: Confirm the Change

Upon clicking the ‘Turn Off Credit Card Payments’ button, users will be prompted to confirm the change, ensuring that the deactivation of credit card payments is authorized within QuickBooks Online.

This confirmation step is vital for security reasons and to prevent accidental changes to payment settings. Once the user confirms the deactivation, QuickBooks Online processes the request, ensuring that the credit card payments are successfully disabled. It is crucial to carefully review and confirm the change to avoid any disruptions to your financial transactions and to maintain accurate records within the system.

This process helps to safeguard your account and ensures that all payment methods are managed securely and efficiently.

What Happens When You Turn Off Credit Card Payments in QuickBooks Online?

When credit card payments are turned off in QuickBooks Online, it impacts the processing of transactions and alters the available financial tools for payment management and recording.

This change can lead to a significant shift in the way businesses handle their financial operations. Without the ability to process credit card payments, organizations may face challenges in tracking income and expenses accurately. The absence of credit card transactions can limit the utilization of financial tools such as reconciliation and reporting, affecting the overall efficiency and accuracy of financial record-keeping within QuickBooks Online.

Is There a Way to Turn Credit Card Payments Back On?

Yes, businesses have the option to turn credit card payments back on in QuickBooks Online, allowing them to re-enable the payment option and activate credit card transactions as needed.

This process can be easily accomplished by accessing the settings within QuickBooks Online and navigating to the Payments section. From there, users can select the option to activate credit card payments, input the necessary account details, and verify the setup.

Once these steps are completed, businesses can seamlessly process credit card transactions, providing added convenience for their customers and streamlining their financial operations.

Can You Still Accept Credit Card Payments in QuickBooks Online?

Even if credit card payments are turned off in QuickBooks Online, businesses can still utilize merchant services to accept online payments through alternative methods, ensuring continuous transaction processing.

This includes the integration of online payment options such as PayPal, Apple Pay, Google Pay, and ACH bank transfers, allowing businesses to offer diverse and convenient payment solutions to their customers. By leveraging these alternative payment methods, businesses can cater to a wider range of customers and improve their cash flow management through QuickBooks Online, fostering a seamless and efficient payment experience for both the business and its clientele.

What Are the Alternatives to Credit Card Payments in QuickBooks Online?

In lieu of credit card payments, QuickBooks Online offers alternative transaction methods such as ACH payments, E-checks, and PayPal, providing diverse options for businesses and customers.

These alternative payment options cater to a wide range of preferences and needs. ACH payments, for instance, allow for seamless bank-to-bank transfers, enabling secure and cost-effective transactions.

E-checks provide a digital version of traditional paper checks, offering a convenient electronic payment solution. The integration of PayPal allows users to leverage its trusted platform for fast and secure online transactions, broadening the scope of payment flexibility within QuickBooks Online.

ACH Payments

ACH payments serve as a convenient alternative for transaction processing within QuickBooks Online, offering secure electronic transfers for businesses and their customers.

They provide a seamless way to electronically transfer funds directly from a customer’s bank account to the business, streamlining the payment process and eliminating the need for paper checks. ACH payments can reduce administrative burden and costs associated with manual transaction handling.

QuickBooks Online’s integration of ACH payments simplifies reconciliation and improves cash flow management, enabling businesses to efficiently track and manage their finances while providing customers with a secure and convenient payment option.


E-checks provide a digital payment solution within QuickBooks Online, allowing businesses to process electronic checks as an alternative to traditional credit card transactions.

This electronic payment method offers convenience for both businesses and customers, enabling seamless transactions without the need for physical checks or postage. E-checks also promote efficiency by reducing the time and costs associated with paper-based payments.

With QuickBooks Online’s e-check feature, businesses can streamline their payment processes, enhance cash flow management, and minimize the risk of check fraud. The integration of e-checks into QuickBooks Online provides a seamless and secure way to reconcile payments and manage finances within the platform.


QuickBooks Online integrates PayPal as an alternative platform for online payments, enabling businesses to offer customers a trusted and widely used payment method beyond credit card transactions.

The integration of PayPal into QuickBooks Online allows for seamless transaction processing, giving businesses and their customers increased flexibility in managing their finances. With PayPal’s robust security measures and user-friendly interface, businesses can streamline their online sales processes and provide a broader range of payment options. This integration enhances the overall efficiency and convenience of managing financial transactions within the QuickBooks Online ecosystem, strengthening its position as a comprehensive accounting and business management solution for modern enterprises.

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