Declined credit card transaction from a recurring sales receipt

Hello @tcwright51,

Welcome to the Community. I'd be happy to get you pointed in the right direction so that you can process the credit card transaction. 

There are multiple reasons for why a card may be declined, such as special characters in an address or required voice verification. The following article contains further insight on this: Why is My Customer's Card Declined?.

Should you be unable to process the credit card transaction after following the solutions listed in the article, I recommend calling the Merchant Services Team. They can pull up your account in a secure environment and assist with determining why it was declined. Their contact information can be found at the following link: QuickBooks Payments Contact Information.

Please know that I'm only a post away if you should have any questions. Have a wonderful weekend. 

How about a list of Responses that can come back and what they mean in plain English?

Some possible responses I've seen in your payments system that I can't possibly decipher without some English language explanation.

Declined - Restraint

Declined - Deny

Declined - Do Not Honor

I understand why the responses themselves need to be terse, but it would be super helpful if you could have a list of all the possible responses and what they actually mean in English.

Many thanks!!

Bill

Hi there, @bill_Q_B_user.

Thanks for reaching out the Community today. I'm here to share some information about the different statuses of a Merchant Services transaction in QuickBooks Online. 

There are various statuses that will show up upon creating Merchant Services transactions in QuickBooks Online. These are the following:

• Funded. Payment has reached your bank account.
• Pending. Payment is en route to your bank account.
• Declined. Intuit verifies all electronic checks against the National Check Network database, a real-time check verification system. If the network issues a decline, processing stops there.
• Refunded. You reversed the orginal check transaction, refunding payment to your customer.
• Rejected. The transaction did not go through and was never even presented to the bank, probably due to a bad account number or similar reason.
• Returned. Banks return checks for many different reasons. When a check is returned, depending on the reason it is returned, Intuit Payment Solutions will either (1) re-present it to the bank up to two times (2) research the item or (3) send the item back to the merchant or to the collections team. To see where a check is within this returns process, click the Transaction ID to view payment details and check the Next Steps field, which shows one of three actions:
  • Research. QuickBooks Payments is looking into the problem, perhaps checking account numbers to see if the payment can be re-presented.
  • Represent. QuickBooks Payments will again try to present the check for payment.
  • Disposed. Any attempts to electronically collect the check were unsuccessful. You either don't get paid for this check, or our collections team will try and collect the item for you, if you opted in for collection services.
• Voided. The transaction was canceled by you, the merchant.
• Withheld. When a payment raises security concerns or exceeds a predefined account threshold, Risk Management steps in, holds the funds, and conducts an investigation on your behalf.

However, to get detailed information about the status that you're referring to, It'd be best reaching out to our Merchant Services Team. This team is the best resource for such inquiries, as they're able to request account information to pull up your company and share sensitive information, while this is a public forum. Once they have this information, they'll be able to further assist with explaining further the status that you received. 

This should get you on the right track, Bill.

Don't hesitate to let me know if you have any other questions with this concern. I'm always here to help. Have a prosperous day!