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Fix rejected bank payments or fees in QuickBooks Payments

by Intuit•4• Updated 2 days ago

With QuickBooks Payments (Merchant Services), you can accept bank payments from customers to pay for invoices and other sales.

In the rare case a bank payment is rejected, don't worry. If there's ever an issue getting bank payments into your bank account, we'll send you an email with a code, description, and instructions on what to do. Any related fees will also be included in the email.

Prerequisites

QuickBooks Payments allows you to accept ACH payments from your customers. Learn more and apply.
This article covers ACH rejections only. If you need help with declined customer credit card payments, check out Fix customer's declined credit card payments.

There are many reasons for an ACH payment rejection. To resolve your specific rejection, follow the steps in the email we send you, and use this chart a reference.

Here’s a list of the R## rejection codes, their meanings, and what you can to resolve.

Reject Code	What the code means	What you can do
900 902 912	No Account/Unable to Locate Account/Invalid Account Number	The account number doesn't match the individual on the payment, or the account isn't valid.
901 908	Insufficient funds/Uncollected funds	The available balance in your account isn't enough to cover the fees. Check the balance of the bank account associated with your QuickBooks Payments account. If the funds are now available, or you want to pay your outstanding balance by credit card, contact our Customer Support team. Please have your Merchant Account info and case number ready.
903	Payment Stopped	You requested a stop payment with your bank. Have your bank submit a bank letter to tell us the issue is fixed.
905	Account Closed	The account you used for QuickBooks payments isn't active.
907	Non-Transaction Account	Policies or regulations prohibit or limit bank payment activity on your account Check the account you told QuickBooks to deposit payments into. Make sure it's a chequing account or some other transactional account. It can't be a savings account. In general, savings accounts only allow a limited number of daily debits. If you need to change the account QuickBooks puts payments into, follow the steps to update your bank info.
909	Currency/Account Mismatch	The currency of the transaction does not match. Have your bank submit a bank letter to tell us the issue is fixed.
910	Account Holder Deceased	The account holder has died (used in the event of a Representative Payee, Guardian, or trustee). If the account holder is deceased, please send us a Death Certificate. Depending on the bank's policy, you may need to send a letter or change the bank account completely. Have your bank submit a bank letter.
911	Account Frozen	Funds unavailable due to legal action or your bank. In this case, you can't access your account. Work with your bank to authorize payments coming from Intuit and QuickBooks or have your bank submit a bank letter to tell us the issue is fixed.
914	Incorrect Payor/Payee Name	The payor/payee name on the transaction does not match the account holder’s name. Work with your bank and follow the proper procedures to fix your account.
915 916 917 918 919 920	Customer Advises Not Authorized/ Corporate Customer Advises Not Authorized	You told your bank that Intuit isn't authorized to debit your account and/or an entry was not authorized. Work with your bank to authorize payments coming from Intuit and QuickBooks.
921	Duplicate Entry	The request appears to be a duplicate entry. You don’t need to do anything. We’ll work to fix this issue.

Submit a required bank letter

If a letter from your bank is required to resolve an issue, there are several requirements. The letter needs to clearly state the reason the payment was rejected and that you followed the steps in the email to resolve it.

In addition, your bank letter must include all of the following:

Official bank letterhead
State that the issue with the account was resolved and the account is open and available for both bank payments debits and credits
Include your case number or Merchant Account Number (this info is in the email we send you)
Include your bank account number and the routing number
Include a telephone number for a bank representative
Be signed and dated by a bank representative

Once the bank account has been updated, use the link provided in the email to upload the completed bank letter.

Troubleshooting

Here are some common problems with ACH payment rejections and troubleshooting tips to resolve‌ them.

I didn’t receive an email after an ACH rejection.
Make sure to check the email inbox associated with your QuickBooks account. We also suggest that you check your spam folder in case our email may have landed there.

My R## code isn’t listed in this article.
If you see a code in the ACH rejection email we send you, but you don’t see it listed here, follow the provided next steps provided in the email.

If you need additional support with ACH payment rejections, check out this article for options to contact us.

Money movement services are provided by Intuit Canada Payments Inc.

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