Product Described: Detailed QuickBooks Integration

Question

A business using QuickBooks Online has over 500 customers with stored card-on-file (CAD) data. They are switching to Clover for payment processing and want to know if they can transfer their stored CADs or if they need to request new payment details from each customer.

Answer

QuickBooks Online does not allow direct access to stored credit card data due to PCI compliance and security regulations. The data is encrypted, and QuickBooks does not provide an API for retrieving full CADs.

This means that merchants cannot directly transfer stored card data from QuickBooks to Clover or any other system. However, alternative solutions exist to ensure a smooth transition.

Options for Moving Stored Card Data from QuickBooks

1. Tokenized Payment Migration to a Payment Gateway

   • While QuickBooks does not provide raw CADs, some payment gateways support tokenized migration.
   • If QuickBooks’ linked payment processor allows it, stored CADs can be transferred in a tokenized format to a new gateway (e.g., Authorize.net, NMI, Stripe).
   • Merchants should check if their new gateway provider supports token imports from QuickBooks.

2. Using CSI Works' QuickBooks Integration to Move Data

   • Our QuickBooks Integration can extract customer records and map tokenized payment data to a new payment gateway.
   • While it cannot retrieve raw CADs, it can ensure that recurring transactions remain uninterrupted by securely transferring allowed payment information.

3. Keeping QuickBooks Active for Recurring Transactions

   • If a gateway-based transfer is not possible, merchants can continue using QuickBooks for recurring payments while processing new transactions through Clover.
   • This hybrid approach minimizes disruption while ensuring that stored CADs remain accessible.

4. Requesting New CADs from Customers (Last Resort)

   • If a tokenized transfer is not available, the merchant must manually request customers to re-enter payment details.
   • This can be done via secure digital forms or an automated onboarding system.

Why a Gateway Migration is the Best Approach

Since Clover does not have a built-in CAD storage system, transferring stored card data to a compatible payment gateway is the best way to maintain payment continuity. CSI Works' QuickBooks Integration helps streamline this process, ensuring smooth data movement while maintaining PCI compliance.

For more details on migrating stored payment data from QuickBooks to a merchant’s preferred payment gateway, contact us.

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