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.