# How to Fix Credit Card Transactions Not Showing Up in QuickBooks Online ![_QuickBooks Payroll](https://hackmd.io/_uploads/HJmgeG0IWe.jpg) If your **credit card transactions are not showing up in QuickBooks Online**, you’re not alone. This is one of the most common — and frustrating — bank feed problems we see in day-to-day bookkeeping and QuickBooks cleanup work. The good news? In most cases, missing credit card transactions in QBO can be fixed quickly once you understand **why the feed stopped updating** and **where the transactions are getting stuck**. This guide walks you through **clear, step-by-step solutions**, from simple checks to advanced troubleshooting used by QuickBooks professionals. --- ## Why Credit Card Transactions Are Not Showing Up in QuickBooks Online When a **QuickBooks Online credit card feed is not updating**, it’s usually caused by one (or more) of the following: * Bank feed delays or maintenance at the credit card company * Connection or authentication errors * Incorrect date ranges in the Banking screen * Duplicate or old credit card accounts in QBO * Transactions stuck as “pending” at the bank * Archived, excluded, or already-matched transactions 👉 In real client files, we often find the transactions **are downloaded — just not where users expect them to be**. --- ## Step 1: Check the Banking Feed Status in QuickBooks Online Start here before changing anything. 1. Go to **Banking** (or **Transactions**) 2. Select the **credit card account** 3. Look for feed messages such as: * *“We’re having trouble connecting”* * *“Account needs attention”* * *“Last updated X days ago”* If the feed hasn’t updated in several days, you’re likely dealing with a **QuickBooks Online bank feed issue**. --- ## Step 2: Refresh and Update the Credit Card Feed Sometimes the fix is simple. * Click **Update** in the Banking screen * Wait 1–2 minutes (large accounts may take longer) * Refresh your browser 💡 **Pro tip:** Logging out of QBO and signing back in can force a stalled feed to refresh. --- ## Step 3: Verify the Download Date Range A very common issue we see: **Transactions downloaded — but outside the visible date range.** * Open the credit card register * Adjust the **date filter** to include older dates * Scroll back several months if needed This often explains **missing credit card transactions in QBO**, especially after reconnecting an account. --- ## Step 4: Look for Duplicate or Old Credit Card Accounts Duplicate accounts are a major cause of confusion. Check for: * A second credit card account with a similar name * An old account marked inactive * A newly created account from a recent reconnect 👉 Transactions may be downloading into the **wrong account**, making it look like they’re missing. --- ## Step 5: Review the “Excluded” and “Reviewed” Tabs If transactions were previously excluded or matched: 1. Go to **Banking > Categorized (Reviewed)** 2. Check **Excluded** 3. Search for the missing charges In cleanup projects, we often find transactions accidentally excluded during bulk reviews. --- ## Step 6: Understand Pending vs. Posted Transactions If transactions are stuck as *pending* at the credit card company: * QuickBooks Online **will not download pending charges** * Only posted transactions sync into QBO This is common with: * AmEx * Visa business cards * Weekend or holiday charges ⏱️ Most pending transactions post within **1–3 business days**. --- ## Step 7: Reconnect the Credit Card Account (Safely) If the feed is broken, reconnecting may be necessary. **Before reconnecting:** * Do **not** delete the account * Confirm the opening balance date * Take note of the last downloaded transaction To reconnect: 1. Go to **Banking > Edit (pencil icon)** 2. Select **Reconnect account** 3. Sign in to the credit card provider ⚠️ Reconnecting incorrectly can cause **duplicate or missing credit card charges in QBO**, so proceed carefully. --- ## Step 8: Watch for Known Bank Feed Outages Bank feeds change frequently due to: * Security updates * Multi-factor authentication changes * Financial institution maintenance QuickBooks Online transaction download problems often spike after these updates. 💡 This is why we recommend **updating troubleshooting content regularly** and staying aware of known Chase, AmEx, and Visa feed changes. --- ## When the Problem Is Not You (Advanced Issues) If none of the above fixes work, the issue may involve: * Backend QuickBooks Online banking errors * Token authorization failures * Corrupted feed connections * Historical sync limits These cases usually require **manual feed resets or expert intervention** to avoid data duplication. --- ## Frequently Asked Questions (FAQ) ### Why are my credit card transactions missing in QuickBooks Online? Most missing transactions are caused by bank feed delays, incorrect date filters, duplicate accounts, or transactions being excluded or matched elsewhere. --- ### How long does it take for credit card transactions to show up in QBO? Typically **24–72 hours** after the transaction posts at the credit card company. Pending charges will not appear. --- ### What should I do if transactions are stuck as “pending”? Wait until the charge posts at the bank. QuickBooks Online only downloads finalized transactions. --- ### Can duplicate credit card accounts cause missing transactions? Yes. Transactions may be downloading into a different or inactive account, making them appear missing. --- ### When should I contact a QuickBooks expert? If: * Transactions are missing after reconnecting * Duplicate charges appear * The feed hasn’t updated in over a week * You’re unsure how to reconnect safely Professional help can prevent costly cleanup later. --- ## Need Expert Help? We Fix This Every Day. If your **credit card is not syncing with QuickBooks Online** and you’re tired of guessing, professional support can save hours — and prevent data errors. 📞 **Call 1-888-493-2290** Get help from experienced QuickBooks Online professionals who resolve bank feed and transaction issues every day. --- ### Author Expertise. Written by a **QuickBooks Online–certified accounting professional and experienced bookkeeper** with hands-on expertise resolving real-world credit card feed, sync, and transaction download issues for small businesses across multiple industries.