New business owners DO NOT  use QB for invoicing or processing credit cards from clients. They do take your hard earned money from your clients but do not give it to you like they said they would. Its beyond the 5 day waiting period , its beyond the 2 day account transaction review, its beyond weeks now!  I initiated contact, not them like it should be when they hold your money for no reason with no explanation. I have not got a response as to why they stole my money. They are unreachable.  No reply or communication from anyone that can help.   DO NOT use them as you will never see your money nor ever get the courtesy of an explanation. They told me my account was clear & ready to process payments.  They didn't tell me I would never get the money once they took it from my client.