Client can’t pay our invoice. Bank says his card is fine. He paid with another card from the same bank, but one specific card still doesn’t go through.

Let me help you resolve this issue to ensure your client can seamlessly pay their invoices in QuickBooks Online (QBO), @info2205.

To get started, could you clarify if your client encountered any specific error messages when trying to pay with their card? This will help me provide a more precise solution.

Then, verify the card information. For credit cards, check that it's not expired and hasn't hit its credit limit. For debit cards, confirm it's enabled for online transactions and has enough funds. Also, ensure your client entered the correct card number, expiration date, CVV, and billing zip code in QBO. Even minor typos can lead to payment rejection.

Sometimes, a customer's credit card payment may not go through due to issues such as authorization problems or incomplete information.

If you manually enter the credit card information, check for these common issues that can cause rejected payments:

• Verify the credit card number and security code. Most cards have 16 digits; American Express has 15. The security code is usually a 3-digit number on the back of Visa, Mastercard, and Discover cards, while American Express has a 4-digit code on the front.
• Ensure there are no special characters or spaces in the credit card number or other fields.
• Use the customer's address as listed on the USPS website.

If your customer is using commercial credit cards with specialized codes, ensure you update your industry type in the Merchant Service Center to facilitate seamless processing.

Here's how:

1. Sign in to the Merchant Service Center.
2. On the homepage, select Account > Account Profile.
3. In the Account Holder/Business Information section, click Edit.
4. Enter the last four (4) digits of your business Tax ID or SSN, then select Submit.
5. Update the Industry Type, choose a reason for the change, and then select Submit.

For detailed instructions, refer to this guide: Fix customers' declined credit card payments.

If you have issues with customers' ACH payments, this resource can help: Fix rejected ACH payments or fees in QuickBooks Payments.

The Community space is still open if you have questions about processing payments. We'll be here to help. Take care always.