Hi, @longr4346. At what stage of the setup or transaction process did the denial happen, and were there any specific instructions provided in the notification you received? Knowing this will help me provide the right troubleshooting steps.
Please know that customer payments in QuickBooks Online (QBO) are typically declined for a few specific reasons. To troubleshoot effectively, please verify the following:
- Double-check for expired cards, insufficient funds, or a mismatch in the CVV, billing address, or zip code. You'll want to advise your customer to ensure these details are correct and that their payment card has enough funds. Alternatively, they can also use different payment methods.
- The customer’s bank may place a temporary hold on transactions that appear unusually large or outside of their normal spending patterns.
- For ACH (bank transfer) payments, the transaction may have exceeded the daily or monthly processing limits set by the bank.
Identifying which of these occurred will help us determine if the fix lies within the customer's payment info or your Merchant account settings. In line with this, I've added the article as your reference so you can find out when QuickBooks Payments deposits customer payments.
If you have any follow-up questions, let us know in the comments.
