A lot of my transactions are getting declined. Anyone knows why?

If it is some but not all, it could be a security issue, I used to have this problem processing recurring monthly subscriptions, any new clients had to call their bank and get approved so you can process or use their bank app to verify.  Some clients have this security setting on their accounts and don't even realize it. 

I want to ensure that you can successfully process payments in QuickBooks. I will provide you with potential reasons why the payments may have been declined.

Before anything else, have you seen any error messages? If so, sharing the exact message with me would be very helpful. This information will allow us to pinpoint the issue and offer you precise solutions.

Usually, payments are declined due to the following reasons:

• Invalid account number
• Expired credit card
• Over-limit or past due
• The processor denied providing any other information.
• The issuing bank will not electronically authorize the credit card.
• The billing address in QuickBooks Online does not match the address on your statement.

Here are some tips and steps you can take to resolve the issue:

• Ensure the credit card number and verification code (usually on the back of the card) are correct. Most credit card numbers are 16 digits long. American Express cards are 15 digits long.
• In addition to the credit card number, you need to enter a verification code. Most cards, such as Visa, Mastercard, and Discover cards, have a 3-digit code on the back. For American Express, it's the 4-digit code on the front of the card.
• Ensure there are no special characters or spaces in the credit card number or other data fields.
• Use the customer's address from the US USPS website.

For additional instructions, read the details from this link: Fix customers declined credit card payments.

If none of these solutions resolve the issue, please contact your bank. They can provide insights into any reasons for the payment decline or inform you about any alerts or notifications related to the declined payments.

Additionally, I've provided these articles for your reference to offer you solutions for declined payments or failed bank transfers: Declined Payments.

Is there anything more I can help you with regarding declined payments, or do you have any other questions about QBO? You can contact to us anytime for more assistance. Stay safe!

In Response to LollyNino_C: 

Is there any setting that may exist in a business account with Quickbooks Online that may affect large charge amounts to automatically decline as part of a security measure or general rule as dictated in the settings? We have noticed a pattern lately within our business that appears to indicate a possibility of some sort of auto decline setting where the amounts we're processing on our side via Quickbooks Online on behalf of the customer are getting declined. Our customers are not having this issue of the declined transaction when they process the ACH themselves on their end of Quickbooks Online. My company compliance manager brought this to my attention and wondered if Intuit and / or the bank (either the customer's or our own-JP Morgan Chase...) is detecting an unknown ip address whenever we are attempting to process credit cards over a certain amount (approximately $6,000.00) and is therefore auto declining whenever the business (us) is trying to process a payment for this amount. The customer we have today is frustrated that she had to complete the transaction herself on her end of the Quickbooks Online invoice and she doesn't understand why the transaction declined for us in the first place since it was approved for her. We are becoming frustrated too as this is becoming a noticeable pattern and concern voiced to us by our recent clients on their projects. Can you provide any clarity on this and answer whether or not this is a simple setting issue that we can fix ourselves in our own business account? Thank you, Jessica C.

Processing payments is a crucial aspect of any business operation. I understand you're facing issues regarding declined transactions, which can disrupt your financial stability. Please know I'm here to give further clarification on this matter, Jessica. 

In QuickBooks Online (QBO), the option to configure a particular setting that automatically declines transactions above a specific amount is currently unavailable.

If customers can process transactions successfully on their own but encounter rejections when someone else tries to do so on their behalf or from a different IP address, it is recommended to contact their bank for more details about the declined transactions. 

Financial institutions often implement security measures to prevent fraudulent activities. These measures may involve setting limits on payments or restricting transactions from unfamiliar IP addresses. By contacting them, clients can gain clarity on these security protocols and identify the reasons for the rejections. This will help ensure smooth transactions in the future.

If you have other questions about handling payments in QBO, feel free to add a reply below. My team and I are dedicated to providing the guidance you need to guarantee funds are processed smoothly for your company. 

As someone who used to process hundreds of subscription payments and we did use QuickBooks Merchant as well as Stripe due to multi currency, I can only give you my experience.  

The majority of my monthly subscriptions processed would decline for new clients only, I had to create a welcome email to new clients requesting that they contact their bank and authorize payment.  A lot of banks now have this security feature and client doesn't even realize it.   If payment card number information is correct and still declining, here are some possibilities :

1. The client/customers bank is blocking/not authorizing payment - they must call themselves and approve the transaction.
2. The address does not match the card (this was a common issue, some clients don't even realize especially if the move/travel frequently)
3. Wrong name on account (also common, a client/customer would use a spouse or relatives and in that case must submit an authorization form from that person on card/account)
4. Client/Customer card is out of country, almost always requires authorization directly from client/customer.
5. Client/Customer has a set spending limit and must authorize amount if over. 

To run a card correctly, you must have Authorization, be within their Spending Limit, correct Name, and Correct address.  Banks have a lot more security on their cards these days.  It is best when possible to send client/customer an invoice and let them pay directly through invoice.