You'll receive a customer payment bounced back because of incorrect bank info or insufficient funds. You can either log into your Merchant Services account or check any email notification to know whose payment it is.
If you're using QuickBooks Payments, you'll see Withheld or Batch Deposit Returned in the Status column of the customer payment that has an issue. To know whose it is, here's how:
Additionally, here's an article that provides answers to the most frequently asked questions about QuickBooks Payments: QuickBooks Payments FAQ. It includes topics about payments processing, e-invoice/send invoice, and managing payments account to name a few.
Please know that you're welcome to comment below if you have other concerns or follow-up inquiries about managing sales and customer payments in QBO. I'm just around to help. Take care always.