Hello, phenderson581-ya.
I can provide a bunch of solutions to help you resolve the error codes.
I take it that you're processing your customer's payment in QuickBooks Online or in Merchant Services This is likely caused by the credit card itself. In this case, you'll want to check the card's information to see if it's correct.
Another thing to do is to let the customer check with their bank to see if they have enough credit card limit or funds to make the payment. Alternatively, they can use another form of payment method to process the transaction.
You can find other solutions and steps in this article: Fix customer's declined credit card payments.
Need to handle your payment deposits after processing the transaction? You can check this article for more details: Find out when QuickBooks Payments deposits customer payments.
I'd be glad to offer assistance again if you have other concerns with QuickBooks Online. Post your replies here with the details and I'll get back to you.
