For my customer to use Schedule Pay, do I need to accept credit card payments? Or am I able to only accept bank payments?

Hi @qb18, I'll share details about accepting online payments.

Yes, a business owner needs an active account in QuickBooks Payments to let customers use and schedule payments online. The mode of payment can be from a credit card or a bank account or both payment information.

Use this link to read and learn more about online payments: Invoices Made to be Paid (QuickBooks Payments).

I'm also adding a couple of references below to get an overview of how you can take and process payment online:

• How to Receive Customer Payments for Online Invoices?
• How to Check when QuickBooks Deposits Customer Payments into your Bank Account?

Keep in touch if you need more assistance about processing online payments in QuickBooks, or there's something else I can do for you. I've got your back. Take care and stay safe!