Do you need to know ++how to process credit card payments in Quickbooks desktop++? After meeting two prerequisites, you can record credit card payments in QuickBooks Desktop. The first prerequisite is that you need a QuickBooks Payments account, which you may create by selecting the settings or gear button. Having a card reader is the second essential condition. You must swipe the card in order to complete a transaction. The transaction will be added to your accounts after you swipe the card.