payment declined

I appreciate you for reaching out to us regarding this concern, @kamaukof.

Let me share insights to help you proceed with your payments in QuickBooks Online (QBO).

Here are some reasons why your customer's payment was declined:

•  Invalid account number
• Expired credit card
• Overlimit or past due
• General decline, no other information provided by the processor
• The issuing bank will not electronically authorize the credit card
• Billing Address in QuickBooks Online does not match the address on your statement

If the paying customer is from the US, check the reason for the declined payment by logging into your Merchant account. Refer to the steps below:

1. Sign in to your Merchant Service Center.
2. From the Activity and reports, select Transactions.
3. Select the Date dropdown to change the dates, then select Search.
4. Once you find the transaction, you can :

        a. Select the transactions to see more details about it.

        b. Click the small Gear icon to see the receipt option, print, or reverse transaction.

        c. Print the report or export the data as a comma-separated value (CSV) file.

If you're using QuickBooks Online International, QuickBooks Payment or Merchant Service is unavailable in this version. In the meantime, you can consider using a third-party payment service application to pay your invoices online using any payment method. To find the app, visit the app help or log in to your QuickBooks Online account.  

Here's how:

1. Navigate to the App menu.
2. Select the Find Apps tab.
3. Use the search field provided to find an app suitable for you.

Additionally, here's a helpful resource that will guide you in receiving your customer payment manually: Record invoice payments in QuickBooks Online.

I'll be around if you have other questions about payment concerns. Take care.

sure I have  QuickBooks Payment/Merchant Services, and there is bank transfer and Venmo options in invoices, but it just not work, payments got declined for unknown reason

I appreciate you getting back on this thread, kamaukof. I've got some details about why payments from your customer declined even though you have QuickBooks Payment/Merchant Services and Venmo options in your invoices.

Here are common reasons why customer's payments are declined.

• The info entered by your customer may not match what the bank has on file.
• The payment amount might be larger than the limit set by the card issuer or bank.

If a payment is declined, we recommend your customer talk directly to their bank for help.

Moreover, if your customers pay you by credit or debit card and you manually enter the 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:

• 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.

If none of the solutions work for you, I highly suggest contacting our QuickBooks Payments Support team. They have the tools to pull up your account in a secure environment and verify what's causing this issue.

Here's how to reach them:

1. Click the Help menu in the upper-right-hand corner of your QBO account.
2. Type "Talk to a human" in the chatbox, then press Enter.
3. Choose Get help from a human.
4. Tap Chat with us or Have us call you.

Also, to know more about QuickBooks Payments, feel free to check out the information from these links:

• QuickBooks Payments Deposits FAQ
• Find out when QuickBooks Payments deposits your money

Please let me know how it goes by commenting on this thread. I'm only a post away if you have any follow-up questions about processing payments in QBO. Have a good one.