Thanks for the detailed info, @madeline-italybe. Let me provide some insights about rejected payments.

If you're using QuickBooks Payments, and the ACH payment you process is rejected, there are a variety of reasons why this happens. There will be an email sent to you with a specific code that describes the problem and will guide you through the steps to resolve it.

You can also check out this link for your reference: Fix rejected ACH payments or fees in QuickBooks Payments.

If you need further guidance on how to handle declined payments, I suggest contacting our payment support team. They have the necessary tools to review your account and provide more information about your rejected payments. 

Additionally, let me share this article that includes idea on what to do if customers' credit card payments get declined when you process them: Fix customer's declined credit card payments.

Fill me in if you have further questions about rejected payments in QuickBooks. I'm always ready to help you out. Keep safe!