joined this forum for the same issue.  After reading through the response from ADMIN...it is certainly reflective of the same response that QB's customer service gives.  Why offer a forum if you don't intend on using it to help resolve client issues.  For the only solution to be "contact customer support" is such a waste of time and effort and quite frankly insulting to the business owners trying to use your product.  

I have just finished a telephone call with a representative of the Office of the President of Intuit regarding the error message that some of my customers receive when attempting to pay one of my invoices by ACH bank transfer -- “PAYMENT DECLINED.  Your payment method was declined.  Please use another payment method or try again.”  I do not accept credit card payments but I do accept ACH bank transfers.

I eventually contacted the Office of the President for Intuit because the answers that I was receiving from QB Support were unbelievably useless.  In response to my submission of case #1599618198, the QB Online Support Team representative emailed me “I am emailing you on behalf of Intuit QuickBooks Online Team regarding your open case 1599618198 relating to the payments of $530 that  was processed twice on May 16, 2023 that keeps on declined due to some reason of   ACH_CP_YOUNG_NONCASH_HIGH_QUICKAUTH_QBO:Transaction restricted by the internal ACH QuickAuth model which means Transaction restricted from BFS" The customer’s bank has declined the transaction as it has as some restrictions. The customer should use an alternate bank or credit card.”

The invoice in that case number was sent to a new customer that I added since migration to Online and this was the first invoice that they received from me.  The error message was returned immediately upon the customer clicking PAY.  The customer’s bank DID NOT decline the transaction.  QuickBooks software declined the transaction for a reason known only to God.  The customer (following the instructions in the error message) attempted to pay again with the same information and the payment was again declined.

Another new customer received the Payment Declined message attempting to pay a $45 invoice.   His second attempt was also declined.  The customer then (again following the instructions in the error message) attempted to pay the invoice using a different checking account at a different bank.  Those attempts were again declined.

Multiple attempts to get help by chat and telephone returned essentially the same response from QuickBooks support representatives…(1) do not try again unless you wait 24-48 hours after the error message, (2) tell the customer to try another “payment method” such as credit card, and (3) tell the customer to contact his bank to get the restriction lifted.

I went to Intuit dot com, selected Company, then selected Executive Leadership.  I noted that the header on that page said “Do you have a question, concern, or feedback about an Intuit product or service?  Submit an inquiry to the Office of the President (OOP).  We’ll respond within one business day to help resolve your concern.”  A link below that said “Submit a request”.  So I did.

I received an email late the next day (6:34 pm on Mau 18, 2023 from Samantha) asking what time I could talk.  I responded that I would be available 8-5 CST the following day (Friday, May 19th).  I did not hear back so I emailed on Monday, May 22nd asking if she needed anything further from me or if she had an update.  Another OOP representative (Sharyn) responded by email at 4:50 pm that day to tell me that Samantha was out of the office and that she (Sharyn) was “watching over this” while Samantha was out of the office.  We agreed to talk at 11 am CST the following day.  In our brief telephone conversation on Tuesday, she indicated that she was not sufficiently fluent in the invoice payment process so she would have a technical representative contact me. I advised Sharyn that I would not be available 3-4pm CST the following day due to a prior engagement but would otherwise be available to talk on Wednesday.  At 2:50pm CST, I received an unknown caller and let it go to voicemail so that I didn’t get tied up that close to my 3pm engagement.   At 3:20 pm, I received an email from Joey asking if we could talk the next day at noon CST.  I responded that I would be available.

Joey called on time today and we had a lengthy conversation regarding the Payment Declined error messages.  Joey agreed that the instructions in the error message were at best misleading for the customer and should be changed.  Joey also agreed that the email I received from the Intuit QuickBooks Online Team telling me that the customer’s bank had declined the transaction was inappropriate. Otherwise we did not make any headway toward a resolution of the situation.

Joey said that the transactions were being declined by Intuit “security software” unrelated to any communication with the customer’s bank but he could not tell me why the transactions were being declined.  When I asked if Intuit could assign somebody to look at the software code to determine why the transactions were being declined, Joey said no.  No reason, just NO.   We concluded our conversation by agreeing that we would disagree on what action was needed to resolve this issue.

The Intuit website says that QuickBooks has seven million customers worldwide.  I am reminded of the Thought for the Day from many years ago that said “If seven million people love a stupid idea, it is still a stupid idea.”  Submit your “concerns” to the Office of the President.  You will no doubt be just as frustrated as I am with the results but, who knows, it might just light a fire if enough people tell them how this is affecting our relations with our customers.

So no resolution huh? Problem still continues !

So no resolution huh? Problem still continues....

If you are running a B2B company, use a 3rd party solution to integrate with QB and accept ACH payments for free.

I've been experiencing this same issue. Can't believe this has been happening and is still unresolved for a year. QUICKBOOKS WHEN ARE YOU GOING TO FIX THIS???

Let's make sure this issue will be fixed so you can process payments in real-time, Mogr.

Normally, you can process payments directly from QuickBooks products. Customers can pay you by credit card or debit card. There are times, a customer's credit card process doesn't go through. This is caused by many common issues, such as authorization problems or missing information. 

However, if there are no issues arise and yet you're still unable to make a payment, I recommend reaching out to our support team so they can take a look at this and investigate further. They have the tools to pull up your account in a secure environment.

1. Sign in to your QuickBooks Online company.
2. Go to the Help (?) icon.
3. Select either tab to get started:
   • Assistant: Get quick, personalized answers. Select a suggested option, or type a question or topic you need help with. If you decide you need further help, you can still Talk to a human.
   • Search: Search the QuickBooks Online knowledge base directly, or select Contact Us and choose a way to connect with us:
     • Start a chat with a support expert.
     • Get a callback from the next available expert.

You may also want to know the most frequently asked questions about QuickBooks Payments. This will help you answer any of your concerns: QuickBooks Payments FAQ.

Let me know if you have questions when making a payment. We're here to ensure everything is taken care of.

I just received my first invoice from a vendor using quickbooks.  My only option to pay was via a bank transaction.  I received the same “payment declined” error message even though my Wells Fargo bank account should have covered it.  I received the same message using an IOS device and a windows pc.

I then created a quickbooks login and stored my bank account information.  I went back to the invoice, selected to pay it, logged in and paid via my stored bank account info.  It was immediately successful.

I hope this helps others get around this error message.

Hello there, @Lsredding.

I'm glad that your issue with processing payments is now resolved. Don't hesitate to let us know if you any other concerns with QuickBooks. We are always here to help. Have a great day.

The same this is happening to us. Our old bank, US bank, works fine and goes through but First Republic Bank (our new bank) is getting declined. So, I just spoke to Intuit, and they said vendors would have to call them because only the vendor account will show the reason why the payment from their customer is getting declined. So we'll probably just pay a different way. So if you're a vendor and your customers are getting thier payments declined, call Intuit  1.866.340.7237

I found a method that worked for me on the receiving end after days of fighting with this terrible platform. I went into the invoice in question, unchecked / rechecked the bank transfer option on payments, then deleted and reentered the customer’s billing address. Payment was finally successful, even though nothing was technically changed. 

Glad I finally got my money, but will be closing my QuickBooks account and switching to a different company after this. I’ve never been more disappointed with a program in my life since day one. The iOS app is useless and shows inaccurate info, servers constantly having issues, inconsistent grouping on transactions, etc… absolutely unacceptable for a program that is supposed to HELP with bookkeeping, not make it more difficult. Good luck everyone.

I recently closed Intuit account due to relocating to other state but was successfully used it for verdor's invoice payment with BOFA. When I opened a fresh Intuit account and assigned BOFA again I never was able to pay invoices getting same error "Payment declined". So, I was advised by Intuit support to subscribe to "QuickBooks Bill Pay Basic" on Intuit and then was able to enter Bank info to pay the invoice. Unfortunately, payment didn't go thru and I received the same error. I noticed, the BOFA has two types of Routing, one is for paper & electronic transfer, another one for wire transfer. When I recreated bank with WIRE routing type the payment went thru right away!