Hello there, vlandi.
I would like to help you out with this. However, it's important to figure out the exact reason for this.
To better isolate your concern, I would recommend contacting our QuickBooks payment support to investigate this further. They have the tools to pull up in a secure environment and be able to provide the accurate reason why it is declining on your end.
We can refer to this link as a reference on how to get in touch with them through chat: https://help.quickbooks.intuit.com/prechats/offerings/Messaging-Payments-Desktop/23041/view. For the schedule, 6:00 AM-6:00 PM Monday-Friday.
I'm always here if you need other help. Stay safe and healthy!