Why am I denied for accepting online payment?

Thank you for posting here in the Community, @t-mcdowell.

Let me share some information about our payment processing services for QuickBooks Online.

There are specific requirements that you need to avoid getting denied from your submitted applications. Here's the list of some reasons why you're unable to activate the online payment feature:

• Type of products or services you sell
• Industries that are categorized as high-risk merchants ( Example: Firearm sellers, vape and e-cigarette merchants, alcohol, and cigars)
• Credit History

I recommend contacting our Payment Support Team for further information about the application. You can click the link above and obtain the number under QuickBooks Online with Payments & Merchant Service Center.

Meanwhile, I've attached some articles you can use as a reference about the terms and agreement, as well as the list of unacceptable business types:

• Intuit Payments Merchant Agreement.
• Unacceptable business types for processing a payment.

Please know that I'm just a post away if you have any other questions. Have a great day ahead.

@t-mcdowell 

You may explore another option.

https:// melio.grsm.io/quickbooks

I was recently denied ability to accept payments when I initially created my account due to my credit. However I recently, cleared and updated my credit but I still can’t access my merchant account via “QuickBooks go payment” app for the iPhone. How can I get approved since my credit has been updated?

Hello, @Canthony19.

I'm here to route you to the best available support so you'd be assisted in reviewing the status of your application. 

There are several possible of reasons as to why your QuickBooks Go Payments application were denied. Since you already have cleared your credit history, I'd recommend contacting our Payments team. This way, a specialist can further assist you on how to proceed with your application.  Here's how to contact us:

1. Login to your QuickBooks Online company.
2. Click Help (?) at the top right.
3. Select or type Contact Us.
4. Enter your concern, then select Let's talk.
5. Choose a way to connect with us:
   • Ask the community to get help from businesses like yours.
   • Start a chat with a support expert.

Also, I've added these resources to know more about the terms, agreement, and the answers to the most frequently asked questions about payment processing in QuickBooks: 

• Intuit Payments Merchant Agreement

• QuickBooks Payments FAQ

• Take and process payments with QuickBooks Payments

Swing by here if you have other questions or concerns. I'll be right here to help.

Hello- I was denied a merchant account because what I sold didn't was against the acceptable use policy?  I sell herbal supplement which I understand is high risk- but there are several other venders selling the same exact supplement that are using Inuit for payment processing?  How do I appeal that decision?  Doesn't seem fair you'd single me out?

Hi there, 56789.

Welcome to the QuickBooks Community. I'll make sure you'll get the right support to check your QB Payments account application. This way, you'll determine the reason you're being denied.

Merchant Services has a terms and conditionals article that goes over all the essential information for their accounts. The agreement outlines the terms of the service and can help explain why you may have gotten denied. As mentioned above, there are several possibilities of reasons as to why your QuickBooks Go Payments application was rejected. You can check the details shared by my colleagues.

The security of your account is our top priority here in the Community. Reviewing your application requires securely pulling up your account. With this, I'd recommend contacting our QuickBooks Payments Support team. They have the option to guide you on how to successfully re-apply for a payment account.

Please also refer to this article to view different answers to the most frequently asked questions about QuickBooks Payments: QuickBooks Payments FAQ.

Feel welcome to message me if you still have questions or concerns. I'll be around to assist you. Take care and have a great day ahead.

@56789 

If you are running a B2B operation, explore the payment processor as I mentioned earlier.

https:// melio.grsm.io/get-paid

If you are also running a B2C operation, you should explore another payment processor to accept ACH and credit cards payments, and integrate it with your QBO. Contact us in private for details.

We've been QuickBooks customers for 8 years and run accounting and payroll through QuickBooks Online. We today applied to use Payments and were instantly denied. Apparently our small tour company is 'too risky'. We weren't 'too risky' each month when QuickBooks took our fees for accounting and payroll. Am I missing something?

Hello Ian Austin!

Thank you for choosing QuickBooks Online as your business partner. Allow me to explain why not all applicants got approved to QuickBooks Payments.

Let me reiterate the different reasons why we got denied with QuickBooks Payments.

• Type of products or services you sell
• Industries that are categorized as high-risk merchants
• Credit History of the QuickBooks Payments primary account owner.

Please note that QuickBooks Online is a different platform. Our team keeps on reviewing the information related to QuickBooks Payments to protect both parties involved in the payment process. I suggest you check the Merchant Agreement and Acceptable Use Policy for more detail..

Also, it'd be best to contact our Support Team so they can further check the reason why your application was declined.

1. Click the (?) Help icon and enter Talk to a human (then type it again when prompted).
2. When asked by the bot, enter "QB Payments Application Status".
3. Select I still need a human, then proceed with Contact us or Get help from a human.
4. Choose either Chat or Callback.

I included this article if you need help in running, customizing, and saving financial reports: Run reports in QuickBooks Online.

I will be around in the Community space, so don't forget to reply to this thread if you need more help in receiving payments. Looking forward to work with you soon. 

Thanks but this is a generic response. We run a small tour company where we receive payment directly from our customers and have very few cancellations. As owners of the business we have personal credit scores of 760+. We don't see how our business can be considered 'high risk' and we don't see how our personal credit history can have anything over than a positive impact. We have also been Quickbooks Online customers for 8 years. Does our long relationship count for nothing?

We value your service as our business partner, Ian Austin.  

As mentioned above by my colleagues, those are the possible reason why your applicants got denied to QuickBooks Payments. With this, I'd recommend contacting our QuickBooks Payments Support team. They will explain further why your application got denied, and they have the tools to help you how to re-apply for a payment account successfully.

To ensure we address your concern on time, contact us within Monday to Friday every 6:00 AM to 6:00 PM PST. 

Also, to know more about the terms, agreement, and the answers to the most frequently asked questions about QB Payments, kindly refer to these articles:  

• Intuit Payments Merchant Agreement

• QuickBooks Payments FAQ 

Please know I'm only a post away if you have any other questions. Have a successful business week. Stay safe!

@Ian Austin 

If you are running a B2C company, you should explore a 3rd party merchant service to integrate with your QBO.

Can I please get a call [removed]

First things first, we should note that in QuickBooks Online, once the customer pays a sales receipt, they recognize it as Paid. If your member's credit card gets declined/denied after, you should see a reminder on the Homepage: Take Action - Fix declined credit card payments.

MyAccountAccess Login

why am i denied from accepting online payment?

I have answer for that, belner mendez.

There are a few reasons why we're unable to turn on the payments feature. Let me share the following with you:

• Type of products or services you sell
• Industries that are categorized as high-risk merchants
• Credit History of the QuickBooks Payments primary account owner.

With this, I suggest reaching out to our Payments support to verify the exact reason. Click the link and get the number under QuickBooks Online with Payments & Merchant Service Center.

To know more about the terms, agreement, and the answers to the most frequently asked questions about QB Payments, kindly refer to these articles:  

• Intuit Payments Merchant Agreement
• QuickBooks Payments FAQ 

Reach me back here if you have other concerns about online payments. I'll be around to help you out. 

I would like to also know why I am being denied for accepting payments. I do not run a high risk company. My credit history is not the greatest but that should not be a factor. I am wanting to accept the money that I worked for, not borrow it. This is crazy. Can someone please explain this to me

I appreciate you for bringing your concern in the Community, reidscustompainting.

I understand how you want to get answers as to why your payments are being declined. However, with this type of concern, only our QuickBooks Payment Team can provide complete explanation. They have the tools to lookup your account and identify the reasons why payments are denied.

You can follow the steps shared above to get in touch with our QuickBooks Payment Support.

Be sure to check back in with me if you have other questions. I'm always around to help you out.

@belner mendez @reidscustompainting

You can apply to a 3rd party merchant service if required. 

Where is the link to Unacceptable business types for processing a payment.

Where is the link to Unacceptable business types for processing a payment.?

Thanks for bringing that up here in the Community, @balancedact. I'm here to share more details about your link issue.

In QuickBooks Online, there are links that has been updated and being removed due to its period. One of it is the article you've mentioned. However, I can provide you another articles that which is essential for you and your business.

Feel free to visit these article instead: Merchant Agreements and Legal policies. It tackles about the Agreements and legal documents that are applicable to your use of one or more Intuit payment processing or merchant services.

Additionally, you can read through these following articles if you want to learn more about funding status in QuickBooks.
 

• Find out when QuickBooks Payments deposits your money
• Why are my funds on hold?
   

Let me know if you have clarifications with managing payment in QuickBooks Online. Have a great day ahead!

I was denied my application for QuickBooks Payments with no explanation. I run a bookkeeping business that operates exclusively with QuickBooks, so I can't imagine that would be considered high risk.  I also have excellent credit.  Can someone please explain the reason for my denial?

I appreciate you joining the thread and posting your concern here in the Community space, @REI Bookkeepers. 

I’d be delighted to provide some details about why your QuickBooks Payments application was denied and point you in the right direction of support to help you successfully re-apply for a payment account.

As provided by my colleague above, there are some specific requirements that need to be avoided when submitting your applications. To reiterate, these are several possible reasons why it was rejected: 

• Type of products or services you sell.
• Industries that are categorized as high-risk merchants.
• Credit History of the QuickBooks Payments primary account owner.

With this, I'd recommend contacting our QuickBooks Payments Support team. They’ll be able to have a screen share with you in a secure environment and provide alternatives on how you can proceed with the application. 

To ensure we address your concern on time, please contact us Monday-Friday from 6:00 AM to 6:00 PM PST. 

In addition, kindly refer to these articles for more insights about the terms, agreement, and answers to the most frequently asked questions about QB Payments:

• Intuit Payments Merchant Agreement
• QuickBooks Payments FAQ 

Once settled, I’ll be adding this great resource here that may come in handy in taking your customer’s payments in the future: Take and process payments with QuickBooks Payments.

I'll be around here in the Community space if you need further assistance with managing your application. I'll be standing by for your response. Have a great day, and stay safe.