Why is it saying the card declined when the money still comes out of the clients bank account?

We're glad to have you here in the Community, kimberlifanucci.

Let me share some information to help you fix declined card payments in QuickBooks Online.

If you're using ACH payments, you can check your email for the details of the issue. It contains the specific error code and instructions to get it resolved. That being said, please ensure to follow the procedure carefully.

You can refer to this article for more information about the different error codes: Fix rejected ACH payments or fees in QuickBooks Payments.

However, you can proceed to this material if you're using credit card payment: Fix customer's declined credit card payments.

On the other hand, consider checking this resource to understand when customer payments are deposited into your bank account: Find out when QuickBooks Payments deposits customer payments.

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