Having the same issue on a few different business accounts I have with Quickbooks. Multiple customers are saying that their payment declined, when there are sufficient funds in their account. 

This is happening in my account as well. Customer payment declining, although they have significant funds in their account

Having the same issue on a few different business accounts I have with Quickbooks. Multiple customers are saying that their payment declined, when there are sufficient funds in their account. One or two have gone through and they are not doing anything different

It's my pleasure to welcome you here in our growing QuickBooks Community, @rutrae. I'd be happy to share some information that could help you prevent future transactions from being rejected.

There are a few common reasons why cards get declined. Here are some:

• The information they entered may differ from what the bank has on file.
• The payment amount may exceed the card issuer's or bank's limit.

If a card gets declined, we recommend your customer talk directly to their bank.

You can also check some of the things that cause this issue. Here's what to check if you enter the credit card info manually:

• Check that the credit card number and verification code are correct (typically found on the back of the card). The majority of credit card numbers have 16 digits. American Express cards have a total of 15 digits.
• A verification code must be entered in addition to the credit card number. Most cards, including Visa, Mastercard, and Discover, have a three-digit code on the back. It's the four-digit code on the front of the American Express card.
• Check the credit card number and other data fields for any special characters or spaces.
• Use the USPS website to get the customer's address.

For detailed information, refer to this article: Fix customer's declined credit card payments.

If the issue persists, I recommend using a different payment method.

I'm also adding an article to learn more about what to do if you received a payment against the wrong invoice: Fix a payment applied to the wrong invoice in QuickBooks Online.

For additional QuickBooks-related concerns, don't hesitate to post them here in the Community. We're always available and willing to lend a hand to your queries. Have a great day ahead.

Just to give you my recent experience with this error.  I was trying to pay a vendor via their quickbooks invoice link and I was also getting this same Payments Declined error even though I knew my checking account routing, account number and funds available were all in line.

My wife and I are both co owners of this checking account.  Out of curiosity, I tried changing the settings in quickbooks from my name to my wife's name and it went through without error.  I shouldn't have to do this, but at least it worked.  I have made similar ACH payments using my name from this account without error in the past.

Something to try if you are experiencing this and have more than one name on the account.  

Thank you!!!!  That worked!!!

Hi MariaSoledadG,

As previously mentioned I do not know what the applicable R code is since I did not receive any such email from Intuit related to the original or subsequent payment declinations.  Intuit's servers do not appear to be generating this particular email.  The email address on both my QBO account and that merchant has on file for me are both correct, so that is not the issue.

Also, it appears I do not have access to the QB Merchant Center, which is not surprising since I am the payor, not the payee.  The payee would presumably be the party that has access to the Merchant Center.  Since Merchant Center upload is not an option in my case, can you please provide the specific Intuit contact for submission of a bank letter?

My company has been using QB payments for 4 business days and have had 4 successful payments and 9 declined. We used our prior payment system (Clover, which we are holding off on canceling for obvious reasons...) to recharge the cards and had no issues.

The only answer QB can provide for declined credit card payments is to tell your customer to call their credit card company. What terrible customer service! I'm not going to inconvenience the majority of my customers and make them sit on hold with banks / credit card companies just to pay their invoices. This is no way to run a business and it's unacceptable that QB cannot provide actual support for this and fix what is clearly an internal issue with their systems. The customers' cards worked just fine with another payment processor. What is QB doing to fix this issue?

After over an hour of chat and no resolution, the response they gave me is "Or you can close this existing account and create a new one"!

Thank you for visiting the QuickBooks Community, lleclerc.

I understand how essential it is to process or get through all consumer credit card payments without issue. I'll be sharing further details on why customers' payments get declined. I'll also ensure you'll be routed to the right support team to assist you further on this matter and fix it as soon as possible.

Sometimes the credit cards you process for customers do not go through. Many common issues, such as authorization issues or missing details can cause this.

However, there are tips and instructions you can take for different types of credit cards and to fix the customers' credit card payments declined to ensure your sales data stays accurate. You may refer to this article to see the steps on how to perform the process: Fix customer's declined credit card payments.

If the payment is still not deposited within the given length of time, I'd suggest contacting our Merchants Services Support Team. This team is the best resource for such inquiries, as they're able to request account information. They can further verify the declined payments and investigate the reason for this issue.

Please also refer to this article to see how QuickBooks Payments deposits work in QuickBooks Online: Common questions about payments deposits in QuickBooks Online.

Don't hesitate to post again here in QuickBooks Community if you have additional questions about customers' declined credit card payments. I'll be right here to help, customer's declined credit card payments. Have a great day!

Nothing. They are doing absolutely nothing. This was a problem for me back in September 2022 and I still get email notifications on this thread. I occasionally click on it to see how many more pages have been added to this thread of other Quickbooks users having the exact same issue and QB providing a canned response that does not actually help and then continue to not fix the problem. 

As I mentioned, Merchant Services Support was not helpful and the only suggestion they gave me was to have my customers call their credit card companies. The "authorization issues or missing details" that you reference are not relevant - again as I mentioned, the credit cards worked just fine when the exact same information was entered using our old payment processor. This is a Quickbooks issue and you company does not seem to be doing anything to address it as evidenced by the countless customers on this thread having the same issues.

Please acknowledge that this is an internal issue and let your customers know what Quickbooks is doing to fix it.

I'm ready to leave QBs altogether because of NO RESOLUTION on ACH payment decline "due to incorrect account number or security concern" error message. I bill my clients monthly and have recurring invoices set up, payment info/bank account is on file. Out of all of my clients this particular issue happens with the same client every few months. Obviously the bank account is correct being it processes most months. There's no security concern with client's bank.  I'm exhausted with the piss poor support and the multiple layers of "customer service support reps" that we have to spend countless hours with...again, to NO RESOLUTION. Last time this happened I was told "there's nothing we can do, you'll need to get a different form of payment from your client". UNACCEPTABLE. I have a Square account and I input my client's SAME banking credentials into my system...approved immediately!  SO shame on QBs for not tackling this.  I process nearly $600k/year and then some. So because of my one client lack of processing, I'm moving things into Square.  This is obviously a QBs issue that they are unwilling to fix. Yet they continue to raise their subscription fee.

I just recently signed up to QBO and my experience has not been great so far getting things setup.  I have seen a few threads about ACH payments getting declined and no email with R code.  I am not sure this directly relates since it seems like a you were receiving payments then it stopped working.  While I just joined and couldnt even get it working, tried two different bank accounts / two different people try to pay an invoice I sent them.  The only customer service (quickbooks has terrible customer service) response I got was nothing is wrong on our side it must be the bank etc and to wait 24 hours try again.  I tried again this morning and of course same issue declined (its a $5 test invoice) so not insufficient funds and I wrote the routing/acct triple checked and no email with why its rejected or merchant service information just declined.  Finally I re-read the threads and found one post to try out something before I give up and go to stripe.  To my amazement I did the change and I was able to start accepting payments.  Now again this might not help everyone on this thread but hopefully some who run into the same issue it may.

Steps:

1) go to your merchant services page

2) top bar go to account > account profile

3) Under deposit account information press edit

4) Now if you signed up like me through the quick connect bank account you should see your info already filled in but there seems to be a bug in their software or somewhere when you do it this way.

5) Under New Bank Account, re-enter your information Routing/Acct manually

6) Reason for account change, fixed incorrect information

VOILA!  All the sudden I am able to accept ACH payments

According to this post I found in another thread, some backend customer service rep said they found a wrong number in the acct# when looking at that customers information that was under the bank account info. My guess as far as I can tell is there must be a bug in the software when you sign up through the auto connect your bank info when I first got QBO up and running.  

TLDR ;

Go enter your bank account information manually under merchant services webpage

QB payments support is useless on this. If you call 9 times you’re likely to hear 9 different reasons - customers bank, your bank, qb back end changes, qb fraud detection, invoice limits, merchant account age, etc.

Unlike square, stripe, etc. QB has zero useful documentation on potential limits and/or conflict resolution and will decline inbound customer payments without R codes any time they wish, then tell you to have your customer use another bank and/or pay with a CC. They can’t tell you why it’s not working, nor how/when/if they will ever make it work.

if you like QB for the interface great, you can always use a 3rd party payment processor, but with other software/service options out there find the one you like and go with it. If Intuit wants to create an unsupported service then try to charge a fee for it people should simply go elsewhere.

After many hours on with support, zero ability to escalate, no idea if/when the service we pay for will work or if it will remain reliable for our customers we’re simply going to move to another accounting package.  

@Softwareshouldwork   I feel your pain!! Best of luck--

I am thinking about switching from Quickbooks to another provider. Last Wednesday my client paid through ACH on a large construction draw - nothing has shown up in our bank account as of this afternoon. I am furious that I have to now deal with contacting Quickbooks to escalate and find out where the deposit went! As a general contractor we have to pay subcontractors when they invoice. We are incredibly reasonable with our customers and bill as projects complete. I don't have enough money in the bank to cover added time and material expenses. If Quickbooks is unreliable, there are other companies and choices in getting paid. Since the money left my customer's account last Wednesday, there is ZERO reason that its not in our account!

@SPRS I wish there was a solution I could give you - you would think by now QuickBooks would have a solution.  This has been happening for years.  Best of luck!!!

Thanks. For there to be a solution to the problem Intuit would need to identify what the problem is, then have the desire to actually fix it. Intuit has no apparent desire to do either. I've called support again and again and, in most cases, someone ends up reading off a script, tells me my customers need to pay via Credit Card. Some tell me that Intuit has a policy regarding ACH payments, but this policy is not published to customers - nor does it appear to be available to Intuit staff and no one can provide any detail. That's not policy, it's a rumor, customer avoidance. If Intuit doesn't want to be a payment processor, they should end advertising their service. If they do want to be a payment processor, they should create a supportable product. Other vendors are very clear on any potential limits, issue resolution, etc. and are more than willing to work with customers to address them. If Intuit can't provide a reliable, fully supported, service businesses can't use them. Period. 

Thanks!

Still looking at other vendors - have accounts with Bill, Stripe, Square, etc. as well as with Freshbooks, etc. 

Looks like we're going with Bill.com for AR/AP. They have a QB integration but also integration with the other accounting software vendors we're reviewing, can handle AR and AP, have a customer portal, no ACH limits, good support and an easy to use interface. They can also operate stand alone from QB or any other accounting package so if you're not a high transaction shop it could work out well, be your only inbound/outbound (or in or out only) option. We're going to remove all payment processing outbound to vendors as well as inbound from customers from QB, and we're currently piloting Xero which they work with. 

This did not work for us and was not a recommended solution provided by Intuit support, not that they provided a solution other than "have your customers use a credit card, try another bank or try breaking your invoice into multiple smaller invoices and have your customer try that". Trying to use your accounting system to experiment with an unreliable and unsupportable payment processing system is not a great reflection on a company and those they choose to do business with/through...

So far we've found BILL.com to be wonderful. 

We're still in the testing phase for the next month or so but they have a lot of nice options for AP and AR as well as a very collaborative portal that customers can use, customized to your business. 

They have an integration with QB so that transactions can be reported, customers synchronized, etc. but they also support other accounting software vendors if you want to completely move away from QB. 
We're stripping out all of the vendor payment/merchant services functions from our QB account at the end of the month, may replace the entire application depending on how our accounting software testing goes. 

We're switching AP and AR over to BILL.com 

We could never get Intuit to even identify let alone respond to or resolve our ACH payments issues after multiple calls to support and tens of hours on the phone. 

I will be checking out those you listed. I plan to file a complaint with the FTC, BBB and other regulatory agencies. It's a felony and fraud to take ACH payments from our customers and not apply them to our bank accounts within a reasonable timeframe. My customer paid over $51,000 on 9/27 as of 10/3 it still hasn't hit my business account. Ironically Quickbooks has an instant option if you want to pay over $500 or open a checking account with them. I am getting a lawyer to check whether this practice of holding client payments hostage is legal. I was using Quickbooks Desktop 2020 and was forced to pay a monthly fee for online services because it's no longer supported. I have a subcontractor waiting to get paid and furious doesn't describe how I feel about this mess.