Why an I being declined for being able to receive Payment?

I appreciate the efforts you have made, @office321. I'll share the possible reasons why you have been declined in receiving payments.

Please note that applying for QuickBooks Payments is subject to eligibility criteria, credit, and application approval. There are specific requirements you need to meet to avoid getting denied on your submitted applications. Here is a list of some reasons why you're unable to activate the online payment feature:

• Type of products or services you sell
• Industries that are categorized as high-risk merchants ( Example: Firearm sellers, vape and e-cigarette merchants, alcohol, and cigars)
• Credit History

Please check this article for more details: Acceptable Use Policy.

You may also contact our Payments Support team for further assistance regarding your application.

Once you're approved, you may check this resource to guide you through the steps on processing payments: Manage payments.

In case you have other questions about the receive payments feature in QuickBooks, please revisit this thread and leave your queries. We're here in the Community space, ready to back you up.

@office321 

They won't explain why. You can use a 3rd party payment processor to sync with QBO.

Dont do it. 

 On April 18, 2025 - a client paid via QB. We applied for a payment account but elected to use our own bank as to where we wanted our money to go.  Interestingly enough - looks like QB didnt like that. 
Your QuickBooks payments account has been declined. You can continue to create and send invoices, but you can no longer get paid online or in-person. Any available funds will be returned to your customers. Reach out to them directly to find another way to get paid.

Its May 22 and we have yet to see our money, our client has not received his refund either.  We keep getting emails "warning us" to take action or our funds will be returned.  I've lost track of the times we've called QB to get this resolved. Returning money that doesn't belong to QB should not be this hard.  Considering that they make money off of small business' why are they trying to steal from us?