@lacasasaddlery 

You can use a 3rd party merchant service to integrate with QBO.

Making sure you'll be able to process online payments in QuickBooks is my priority, @lacasasaddlery. Having issues when applying to this can delay your working progress. That's why, I'm here to provide information about this. 

In QuickBooks, there are several reasons why you're denied for taking online payments. One of those is the following:

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

That being said, I recommend reaching out to the Merchant Support Team to further check what's the exact cause why your application was declined. Here's how:

1. If you're using QuickBooks Online (QBO), simply click the Help icon.
2. Then, go to the Search tab.
3. From there, select Contact Us.
4. Next, enter a brief description of your concern. Example: QB Payments Application Status.
5. Then, choose either Start a chat or Get a callback.

If you're using other products, please visit this article for the steps on how to contact the support as well as their operating hours: Contact QuickBooks products and services Support.

For your reference about this, I suggest checking these links:

• Merchant Agreement
• Acceptable Use Policy 

On the other hand, you'll want to consider the suggestion of Fiat to use a third-party merchant service application.

When everything is fine, I've attached this awesome resource for guidance in taking and processing online payments: Take and process payments with QuickBooks Payments.

I'd like to know updates on how the interaction with the support goes. If you have additional questions about processing online payments, feel free to add a reply below. I'm always ready to lend a hand. Have a good one and keep safe. 

Iam unable to crate payment invoice does not showing payment option there

@Mubashir2 

Which merchant service provider or payment processor do you have? QB Payments or else? 

Quick book only

Thank you for posting here in the Community, @Mubashir2.

I'd love to help you out with your concern about creating invoice payment by sharing possible scenarios I could think of.

Are you referring to the Receive payment option from the + New button that isn't showing? If so, let's perform some troubleshooting steps to get this fix.

There are times that the browser stores frequently accessed data, thus causing websites, like QuickBooks Online (QBO), to act weirdly. To verify, let's log in to your QBO account via a private browser. Here's how:

• Google Chrome: Ctrl + Shift + N
• Mozilla Firefox: Ctrl + Shift + P
• Safari: Command + Option + P

If this works, it means that you need to clear the browser's cache so the system can start fresh. If you get the same result while using a private browser, I recommend switching to a different one. 

However, if you're referring to the online payment options within the invoice, you can click Edit under Online Payments. From there, select the checkboxes for the payment options you want. For more guidance, feel free to check out this article: Take and process payments in QuickBooks Online.

Come back to this post if you're referring to something else, @Mubashir2. I'll be around to provide further assistance.

You may also want to view the status of your sales transactions in your QuickBooks Online. You can go to the Sales menu and select All Sales.

Thanks for dropping by.

I have been denied now for 9 months and I still have no clue why. My credit was bad but I have since bought a car and paid it off and all loans paid off I am not sure unless you are going by bad credit years back... Makes no since I have a Medical billing business!! I bill out claims for doctors to Insurance companies etc a BILLER??

@Tl27 

Are you running a B2B or B2C company? Consider to use a 3rd party merchant service or payment processor.

I hear your sentiments, and I can see how this online payments feature impacts your QuickBooks experience, @Tl27.

As mentioned by my colleagues in this thread, there are possible reasons why your application was denied. Since you encounter the same situation, it would be best for you to contact our support team. They can review your application further and help you find more solutions.

Here’s how:

1. Log in to your QuickBooks Online account.
2. Select the Help (?) menu.
3. In the Assistant window, type in “Talk to a human” in the field.
4. Enter “Online payments application,” then go to the Contact option.
5. Choose a way to connect with us:
   • Start a chat with a support expert
   • Get a callback from the next available expert

Here’s an illuminating guide that provides information about its processes, funding status, and how to efficiently manage it: QuickBooks Payments FAQ.

Don’t hold back to drop a comment below if you have any other questions or concerns besides this application. We’ll always be here to help. Keep safe!

what is the reason for this denial

Why am I denied?  I accidentally had separate Merchant account application that got approved for this company, but need one connected to my QuickBook simple account.  Doesn't make sense....This has been going on for over 2 months.  Please help me out!

Welcome back to the Community, MC08.

Applications for QuickBooks Payments accounts can be declined for a number of reasons. As my colleagues have mentioned in earlier posts, it could have to do the type of products you sell, the type of business, credit history, or simply as a business decision on Intuit's part.

You can learn more by reviewing Intuit's Acceptable Use Policy for QuickBooks Payments applications.

You also have the option of getting in touch with our Customer Care team. They'll be able to pull up your application in a secure environment, conduct further research, and discuss why it was declined with you.

They can be reached while you're signed in to QuickBooks Online.

Here's how:

1. Use the Help (?) icon.
   
2. Click Contact Us.
   
3. Enter a description of your situation in the What can we help you with? field, then hit Let's talk.
   
4. Select Start messaging or Get a call.
   

Be sure to review their support hours so you'll know when agents are available.

Please feel welcome to send a reply if there's any questions. Have a great day!

not letting me add my bank to my payment,

I want to ensure you can add your bank account for payments, amazinggrace.

Before we proceed, are you getting an error message when attempting to add your account? Any additional details will help me provide a timely solution.

In the meantime, let's do some troubleshooting steps to fix this. You can open a private window and check to see if this has something to do with our cache.

Here's how to access incognito mode in some of the most commonly used web browsers:

• Google Chrome: Ctrl + Shift + N
• Mozilla Firefox: Ctrl + Shift + P
• Microsoft Edge: Ctrl + Shift + P
• Safari: Command + Option + P

If you can successfully add your account, go back to your main browser and clear the cache. Otherwise, use other supported browsers as an alternative.

If the issues persist, I suggest contacting our Customer Care Support to have this investigated.

The Community is always here to listen and help if you need anything else.

I was told someone from the engineering or backend team was supposed to reach out and contact me within 48 hours.  This was a few days ago.  Not sure what else to do since every agent I speak to runs into the same issue that I am trying to solve, which is why I got approved for a Merchant account after retrying, but when I try to create an invoice and send, it says that I was disapproved.  Any suggestions would be greatly appreciated?

Hello,

I am being denied for accepting online payment and I cannot figure out why. I sell cabinets and have good credit. I have been using online payment for months and the randomly they are getting denied. I have reached out for help about 2 weeks ago and I am yet to receive any word on what the problem is. Please respond with some sort of way to help me figure out this issue as it is directly impacting my business. 

Thank you.

I see how practical it would be to your business when the payments are processed seamlessly in the system. 

There are times customer's credit cards you process don't go through. Some common reasons can be due to authorization problems or missing info. 

Here are the things to check if you enter the credit card info manually:

• Ensure the credit card number and verification code (usually on the back of the card) are correct. Most credit card numbers are 16 digits long. American Express cards are 15 digits long.
• In addition to the credit card number, you need to enter a verification code. For most cards, like Visa, Mastercard, and Discover cards, it's the 3 digit code on the back of the card. For American Express, it's the 4 digit code on the front of the card.
• Ensure there are no special characters or spaces in the credit card number or other data fields.
• Use the customer's address from the US USPS website.

For additional guidelines, you can visit this article link to learn more about fixing customer's declined credit card payments in QuickBooks.

For further assistance, you can also contact our Merchant team again. They can give you a detailed information why the card declines. 

Keep in touch if you have more concerns with processing your payments. I'll be here to guide you some more. 

Thanks for getting back in the thread, @MC08. I'll share some details about your query so you can get through this and connect your merchant account to your QuickBooks Online (QBO) account.

Before anything else, I'd like to thank you for the effort and time you've put into this. Please know that you'll get the Disapproved prompt if the business description selected on the application violates our Acceptable use policy based on the Merchant agreement. If this is incorrect, I'd recommend choosing a description that best represents your business type, and then you can start reapplying.

See this page for more information about the policy: INTUIT PAYMENTS ACCEPTABLE USE POLICY.

Once you have the description that best fits for your business, see this article to reapply: Take and process payments with QuickBooks Payments.

In addition, I've got you this article in case you'd like to process credit card payments in QBO: Process a credit card payment in QuickBooks Online.

You can also check this page to learn more about the fees in QuickBooks Payments: What are the fees for QuickBooks Payments?

@MC08, If you need further assistance with this. Don't hesitate to get back to me. You can also post here again if you need help performing specific tasks in QuickBooks. I'll be more than happy to help you out again. Take care, and have a good one.

I am sailing custom made graphic t-shirts and custom sublimation tumblers. I am denied online payment for this?

I can see how important it is to be able to receive payments online, @theodgile116286.

QuickBooks Payments application can be denied due to a number of reasons. This includes the type of business of having, incomplete details provided, and credit history. The credit score is provided by financial institutions and other consumer reporting agencies.

You can reach out to our customer support to review your application. Just follow these steps so you can talk to an actual human: 

1. Type in "Talk to a human", then press Enter.
2. Enter the same keyword (Talk to a human) when prompted.
3. Click I still need a human.
4. Select between Message an agent and Get a callback.

If you have other questions, don't hesitate to place them below. I'll get back to you. 

I am a landscape contractor, have great credit and it won't let me connect an already functioning merchant payment account from my desktop version to online. I've been using this payment account for years to send invoices so customers who can pay me with a link to an online site.  Thing is, it won't let me create a new account, either. What's up? I contacted support and they were not able to help me. I am tearing my hair out trying to figure this out. I'm about ready to ditch QB Online because of this and other problems I have had with it.

I was just told from the support team that they will not tell me why I was denied bc of proprietary information.  My credit score is great.  So only thing left is at risk business.   What is the risk ?  I have been collecting checks from clients for 8 months.  Everything is great.   Now I have a sales service platform that can’t even take electronic payments.  If I were to collect money from PayPal, Apple Pay, or the many other platforms they would not deny me bc of an at risk business.   This at risk business thing is absolute bs everything is at risk.  Even big corporations on the open stock market crash and are at risk.  If your not going to take money from clients and stop all this red tape lawyer bs then sorry I am taking my services elsewhere.  

@TN28 

Have you applied to a 3rd party service to integrate with QBO?