By default, a QuickBooks Payments account accepts Visa, MasterCard, Discover, and AMEX. However, if one of these payment method options is missing, you may have to re-create it manually for merchant processing to work correctly. In addition, you can change the payment method to be used without being prompted to process the card if you no longer wish to process credit cards using QuickBooks Merchant Services within QuickBooks.
This feature is also frequently used to create a payment method that is identified as a credit card but does not actually send credit card information to the payments account for processing. This is helpful when a transaction needs to be recorded as a credit card sale but there is no need to actually process the credit card.
Important: To work correctly, the Payment Method must match the Payment type.