My customers are unable to pay their invoices with ACH link on invoice. It just tells them payment declined. They have money in the account to cover it. Any Help?

I appreciate you for keeping in touch with us here in the Community about your customer's declined payment, jols2197. Let me share some steps to isolate this so your customers can pay their invoices already.

If you uss  QuickBooks Payments, you can process customer payments directly from QuickBooks products. Your customers have the option to pay you by credit card or debit card.

There are times when the customer's credit cards you process don't go through. This can be due to common issues, such as authorization problems or missing info. If you manually enter the credit card information, you can check for common issues that may cause your customer's credit cards to be declined. These issues include authorization problems or missing information:

• Make sure 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.
• Make sure 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 tips and steps you can take, refer to this article: Fix customer's declined credit card payments.

To learn more about accepting electronic customer payments for online invoices and in-person sales in QBO, please see this article: Take and process payments in QuickBooks Online.

You can also have your customer check with their bank to see if there are no restrictions that would cause the issue. If you did all the suggested steps but your customers are still unable to make a payment, I recommend getting in touch with our Phone Support team. They can further investigate the issue and walk you through a resolution.

Drop a comment below if you need more assistance with customer invoice payments. The Community team is always around to help.

I'm having the same issue. The answer provided is for credit cards. The issue we are having is with ACH. Any fixes?

Warm greetings, Ebello. I understand the importance of a smooth invoicing process, including making payments through ACH. I see that your customer's invoice payment was declined. 

When you send invoices to your customers, they receive an email allowing them to review and pay the invoice by selecting "Review and pay" or "Pay invoice." Depending on your settings, they can pay using a credit card or an ACH bank transfer. 

Once an ACH payment is declined, ensure that the bank account information entered by the customer is correct and up-to-date. Incorrect information can cause payment declines. Verify whether the amount falls within the bank or financial institution's limits. Some banks may limit the amount that can be transferred through ACH. 

If the issue persists, I recommend contacting our payment support. Our expert team possesses the necessary security protocols to access your account details, which is beyond the scope of what can be done here in the Community space. 

Moreover, for guidance, if an ACH payment is rejected, refer to this article: Fix rejected ACH payments or fees in QuickBooks Payments. 

For future reference, if you want to change your bank account for QuickBooks payments, refer to this article: Change the deposit bank account for QuickBooks Payments. 

I'm here to back you up if you need further assistance concerning your invoices and payment methods in QuickBooks Online. Just tap the reply button below to enter your concerns and queries. 

Don't waste your time with payment support they will just tell you it is the banks fault. I have invoiced myself and tried paying with my bank and got the same declined message. Payment support was zero help even though several other people are having the same issue.

@Ebello 

You should have another payment processor as the backup.

I am having this same problem. I invoiced my other business and tried to pay the invoice only to get the payment declined after every try. I checked and double-checked the bank info and I know there is not a limit from my bank because I have other payments for more than the amount I am trying to pay.

Has anyone been able to resolve this?

Hello there, earmsby.

I can see how the issue with ACH payments affects your business productivity in QuickBooks Online. Hence, let me add information to help you resolve this issue and get you back to business immediately.

When ACH payments get rejected, we usually send you an email that contains the specific code, a description of the issue, and an appropriate process for resolution.

Hence, I recommend checking your email and following the steps provided carefully. You can also check this article that contains related codes you might encounter: Fix rejected ACH payments or fees in QuickBooks Payment.

However, I recommend contacting the Payment Support team if the issue persists and you haven't received any emails to address this issue. They have the necessary resources to check why your ACH payments get declined.

On the other hand, consider checking this material to understand the deposit speed for customer payments: Find out when QuickBooks Payments deposits customer payments.

Feel free to click the Reply button if you have additional questions when fixing declined ACH payments or other related concerns in QuickBooks Online. We'll be around to help.

Thanks for that info. I attempted to pay this invoice several times, first attempting to pay the whole invoice (~$1800) then in smaller partial payments. I tried $500, $100 and then $5. Only the $5 payment went through. The others were declined. No email was sent, or at least I have not received that yet. It was several hours ago that I attempted this payment so perhaps emails are delayed significantly. I will wait a little longer and see if any code arrives by email.

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Codes will never materialize and Quickbooks will do nothing to assist. My client cannot pay and gets an instant decline. The rough and annoying part is that it's embarrassing in front of your customers. I've already started using a new payment processor and plan to dump quickbooks in the near future. 

I have been having the same issue. My customer received an error message saying "payment wasn't successful. Try again or contact the seller." Customer service did not help at all and even verified all my information was set up correctly to receive payments. Even tried to pay out an invoice to myself and one of my friends as a test and received the same message. It is very frustrating because, in theory, quickbooks online is a one stop shop but if customers can't pay out invoices, what is the point of even having it??

We are having the same EXACT problem - we are unable to make vendor ACH payments keeps saying DECLINED - our bank account is in very good standing

this JUST started on Sept 23, 2024 - what changed?????

NO one from INUIT or Quickbooks has been able to resolve

As of Sept 23, 2024 we are unable to make ACH payments to our Vendors

What changed?

Keeps saying "Payment Declined"

No one has been able to help us - 4 calls to Quickbooks, online chat w/ 3rd part MELIO

PLEASE help resolve

We don’t want you to have this experience. Let’s work together to identify what happened with your payments.

ACH payments will get rejected because of insufficient funds or incorrect information. You will also receive an email detailing the rejection and how to resolve it.

It is also possible that your bank is sending an update or notification that can impact the processing of your funds. The reason why your payments are being declined. To fix this, you can contact your financial institution and inquire about any updates or if they have issues on their end.

If everything is fine, I suggest contacting our Payments Support Team again. They can provide real-time assistance, access your account details, and investigate further, as the Community forum cannot handle personal data.

On your Merchant account, you can track the payments made by your customers for you to review. 

Here's how:

1. Sign in to the Merchant Service Center from a web browser.
2. Go to the Activity & Reports tab.
3. Choose Transactions.
4. In the Transactions page, click >Show advanced options.
5. Go to the Card section and enter the Cardholder name, which is your customer's name.
6. Hit the Search button at the bottom.

On that page, all the transactions made will show up.

I'm attaching some articles below which you may find helpful:

• Find out when QuickBooks Payments deposits your money
• Common Questions about QuickBooks Payments Deposits

Furthermore, check this article if you want to create templates for recurring transactions like sales receipts: Set up a recurring sales receipt.

You might also want to consider changing your QuickBooks Community username, as it appears to contain your company ID, which may compromise your privacy and security.

I truly appreciate your patience during this time, and I’m here to assist you with any questions about payments decline in QuickBooks.

Same problem here as well.  Quickbooks refuses to fix anything.  We keep getting incompetent indian reps telling us that it's an issue with "the clearing house".  lol.  I am so tired of this nonsense.  Fix this problem now.  It is a service we are paying for!

This is a nonsense answer.  There is a clear problem with Quickbooks payment as multiple users are all having the same problem.  We are a multi million dollar company and we are unable to accept payment via ACH.  Quickbooks cannot tell us why after over 12 hours on the phone.  We will be leaving Quickbooks if this is not sorted out.

I am on both side of this issue as well!! I am unable to pay my vendors that I have been paying hundreds of thousands of dollars through quickbooks every month and now I am unable to pay even a small invoice!!!! This must be resolved immediately or I will have to complete pull out of quickbooks. Please help!!!

I know successfully paying your vendors in QuickBooks Online (QBO) is crucial. I’m here to help provide the information you need to resolve this issue as quickly as possible.

One possible reason could be that your bank account already reached the monthly limit for ACH transfers, which prevents payments to vendors. With this, I recommend reaching out to your bank for some clarifications.

Additionally, you can check this article to learn more about when QuickBooks Payments deposits customer payments into your bank account: Find out when QuickBooks Payments deposits customer payments.

Let us know if you have further questions about paying your vendors in QBO. We'll be right here to help you anytime.

We've had the same EXACT problem...our bank has verified all is well, and there is NO ACH maximum limit

This just started happening in Sept 2024, after we'd been able to pay ACH for last 10+ years.

Something is in ERR on INTUIT side, and the many phone calls to them have proven no resolve

We've experience same from INTUIT - all their answers have been checked and verified, and we still cannot pay ACH to our vendors - it is an ERR w/ INTUIT QB and we are totally frustrated w/ their customer support

We no longer use ACH payment method, and have resolved to paying our Vendors the old fashioned

"check by mail"  -- sorry INTUIT, but we expect more support from you than has been given

We are at this exact same spot...no assistance from INTUIT QB and their answers are not fixing problem