The duplicate happens because the payment is being entered twice: once manually and once through the bank feed. When both accounts are connected to QuickBooks, you only need to handle it from one side in the bank feed and let QuickBooks pair it on the other. Here's how to fix the existing duplicate and how to record it correctly going forward.
Fix the existing duplicate
- Go to Transactions, then Bank transactions, and find your credit card account.
- Identify which "payment received" entry is the bank-downloaded transaction and which was entered manually.
- Open the manually entered duplicate and select Exclude. Excluded transactions won't show up in reconciliation, so this cleans up the books without affecting your reconciliation.
Note: if you've already reconciled the period that includes this entry, you'll need to undo that reconciliation, fix the duplicate, and reconcile again.
How to record a credit card payment correctly when both accounts are bank-connected
- Go to Transactions, then Bank transactions, and open your operating account (the one you paid from).
- Find the outgoing payment transaction and select it to expand it.
- In the Transaction type dropdown, select Credit Card Payment.
- Select the credit card account you are paying.
- Look for Pair in the Match/Categorize column. If QuickBooks has already found the matching entry on the credit card side, select Pair and then Post to link both sides in one step.
- If Pair doesn't appear, select Post, then go to your credit card account in Bank transactions, find the payment in the Pending tab, and select Match in the Action column to connect it to the operating account entry.
This creates one transfer that accounts for both sides — you'll see the debit in the operating account and a credit in the credit card account, with no duplicate.
What to avoid
Don't create a manual "Pay down credit card" entry through + Create AND also categorize the same transaction from the bank feed. That combination records it twice. Pick one path: either handle it entirely in the bank feed (recommended when both accounts are connected) or create a manual payment and then match both downloaded transactions to it.
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