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To accept ACH payments from customers in QuickBooks Online, connect or apply for QuickBooks Payments, then enable bank transfer as an invoice payment option. To pay a vendor by ACH, use the separate QuickBooks Bill Pay workflow. These are different features, not one universal ACH switch.
The steps below reflect Intuit’s US English QuickBooks Online help pages as of October 2026. Menu labels, eligibility, fees, and availability can change.
Accept ACH payments from customers through invoices
QuickBooks Payments is the route for offering customers a bank-transfer option when they pay an online invoice. You need an eligible QuickBooks Payments account connected to QuickBooks Online.
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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware match- Sign in as an administrator. Apply for QuickBooks Payments, or connect your existing QuickBooks Payments account to QuickBooks Online. If you opened the account in another QuickBooks product, connect it rather than applying for a duplicate account.
- Complete the application and eligibility review. You must complete Intuit’s review before relying on the service being available for your account.
- Enable bank transfer in invoice payment options. In QuickBooks Online, turn on bank transfer as a payment method for invoices.
- Create and send an invoice. The customer receives an online payment link and can choose an available bank-transfer option at checkout.
Intuit’s “Receive and process payments” guidance does not establish one processing time or fee that applies to every account. Check your current account terms rather than assuming a standard cost or arrival date.
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Manually enter a customer’s ACH payment
This is a separate workflow for processing a payment against an invoice or recording a sales receipt. It involves entering the customer’s bank details, so do not proceed without the customer’s explicit permission.
- Select + New, then choose Receive Payment or Sales Receipt, and select the customer.
- Under Payment method, choose Check or QuickBooks Payment – Bank.
- Select Enter Bank info and enter the account number, account type, routing number, and account holder name.
- Obtain the customer’s explicit authorization before processing. If you save the bank details for future use, retain the signed permission form. If you do not save the details, Intuit says you have 10 minutes to finish processing.
- Confirm authorization in the form, review the information, and save or send the transaction.
Intuit warns that manually entered ACH payments may be delayed for additional security checks and recommends collecting payment through a Pay-enabled invoice to help reduce processing risk. See “Process an ACH bank transfer from a customer”.
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Pay a vendor by ACH in QuickBooks
Paying a vendor is not the same as accepting a customer’s ACH payment. For bills, use QuickBooks Bill Pay: go to All apps > Expenses & Bills > Bills, select the unpaid bills, and schedule payment by ACH or mailed check.
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Intuit describes standard ACH delivery as 3–5 business days. Eligible Faster ACH offers one-business-day delivery for an extra fee, for payments up to $25,000. Scheduling deadlines apply; weekends, holidays, risk reviews, and third-party delays can affect delivery. Check current plan and account terms before relying on a fee or delivery date. Details are in Intuit’s “Pay bills with QuickBooks Bill Pay” and “Learn about QuickBooks Bill Pay”.
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When does a customer pay an ACH convenience fee?
Intuit documents a distinct configuration in which the customer pays a flat $25 convenience fee for an ACH payment on an invoice greater than $125 and less than $100,000. The described setup requires disabling other online payment methods. This is not the ordinary configuration for offering online payments where the business pays its processing fees. Before using a surcharge or passing a fee to a customer, check current Intuit terms and applicable rules. See “Add a convenience fee to customer invoice payments made by ACH bank transfer”.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Can another payment provider process ACH directly in QuickBooks Online?
QuickBooks Online directly integrates with QuickBooks Payments merchant services. For another provider, check whether an integration is available; transactions processed outside QuickBooks may need to be recorded separately. Do not assume that any bank or merchant account can process transactions inside QuickBooks Online. Intuit explains this in “Integration with third-party merchant services in QuickBooks”.
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