You must have a QuickBooks Online account to use QuickBooks Online Payments, and you must have a QuickBooks Desktop account to use any version of QuickBooks Desktop Payments. QuickBooks Payments has three separate plans, identical to QuickBooks POS software: To begin taking credit card payments from your POS, you must first establish a QuickBooks Merchant Services account. This is due to the fact that payment processing is not included in the QuickBooks POS product. Payment processing is one conspicuous exclusion from our list of QuickBooks Point of Sale features.
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