Your efforts in processing your payment are appreciated, Barkley.
Credit card transactions are usually declined for the following reasons:
- Invalid account number
- Expired credit card
- Overlimit or past due account
- General decline (no additional details from the processor)
- Billing address mismatch (QuickBooks vs. card statement)
- The issuing bank blocked the transaction.
When manually entering credit card information:
- Ensure the card number and verification code are correct (most cards are 16 digits, AMEX has 15; verification codes are usually 3 digits on the back, or 4 digits on the front for AMEX).
- Avoid special characters or spaces in any fields.
- Use the customer’s accurate billing address (refer to the USPS website if needed).
If the card continues to decline, advise your customer to contact their bank or use a different payment method, such as ACH transfer, cash, or check.
Also, if you’re using QuickBooks Payments, I recommend reaching out to their support team for further assistance in resolving the issue promptly.
For more information on handling declined payments, review this article: Fix customers' declined credit card payments.
If you need any more help, don’t hesitate to reach out and keep us in the loop.
