I know how vital it is for small business owners to rely on timely customer payments for cash flow, kyleskustomcuts.
Please note that online payments are usually processed within 3 to 5 business days, especially when you're starting out.
This is a one-time security measure that allows us to fully verify your business, confirm the Principal Officer's identity, and validate the linked bank account before releasing the funds.
Check out this article that talks about this in detail: Find out when QuickBooks Payments deposits customer payments.
Beyond the initial setup, funds may also be temporarily put on hold if our automated system flags a transaction as high-risk. This protects you and the payment system from fraud. Common triggers for these holds include:
- An unusually large transaction amount compared to your established sales history.
- Sudden spikes in payment volume or processing frequency.
- Transactions linked to high-risk industries.
If a payment is placed on hold, an email will be sent to you immediately detailing the instructions needed to lift the hold and release the funds. You can find more information here: Learn about funds on hold.
You can also log in to your QuickBooks Payments account and check the status of the payment. Here's how:
- Sign in to the Merchant Service Center.
- Click the drop-down list beside Activities & Reports and select Transactions.
- Choose the date range in the Dates field.
- Select Show advanced options, then type in the amount in the Minimum amount and Maximum amount fields.
- Click Search.

If it's already more than the usual turnaround time, I'd suggest reaching out to our live support teams for QuickBooks Payments. They can take a look at your account and provide exact details about the status of the transaction.
Here's an article on how to reach out to them: Get help with QuickBooks products and services.
The Community is open at all times, just in case you need more help in the future.