Question

When my customer (or I) try to pay a quickbooks invoice via ACH, we get the error message "Your payment method was declined. Please use another method or try again."

Forum|Forum|2 years ago
April 8, 2024
2 replies
57 views

This is working when attempting to pay from multiple different checking accounts.

QuickBooks Online

Moderator

I know how important it is for a business to process invoice payments smoothly. I have some recommendations that you can do to resolve the payment declined error message, Diana.

When processing payments, declines are often caused by your financial institution. To verify this, I recommend contacting your bank to identify any issues preventing you from paying the invoice via ACH.

If you have done that and verified that there's no issue on their end. You can use another payment method to check if you can pay the invoice.

However, if you have already used all of those recommendations and the issue persists, I highly suggest contacting our Payments support team. They have specific tools to pull up your account and further investigate the root cause of the declined payment message. Doing this, they can provide additional steps to help you fix it.

Moreover, I've attached this helpful resource that you can use as a guide in resolving ACH payment rejection codes and ways to handle them: Fix rejected ACH payments or fees in QuickBooks Payments.

I'll be here in the Community to assist if you have additional concerns when processing invoice payments. Don't hesitate to leave a reply below. Have a good one.

A

Anonymous

Is there a dollar limit that applies to the customer - not the vendor? I've run into this problem over and over again when trying to pay invoices.

E

EmanE17

QuickBooks Team

Yes, there can be a dollar limit for customers paying invoices in QuickBooks Online (QBO), and it depends on the payment method they use, cgtripp.

The most common dollar limit you'll encounter is when customers pay via ACH (bank transfer). This limit is often cited as $49,999.99 per transaction. However, some users have reported higher or lower limits depending on several factors, including:

Your processing history: The more payments you've processed and the longer you've been with QuickBooks Payments, the higher your limits may become.
Risk assessment: Intuit sets these limits to protect against fraud. If a payment appears unusually large compared to your typical transactions, it might be flagged.
Your QuickBooks Online plan: Different subscription levels may have different default limits.

Credit card payments also have transaction limits, though they're usually much higher than ACH limits. For example, a maximum of $99,999.99 per transaction has been reported for keyed-in credit card payments. Similar to ACH limits, these amounts can vary based on your account details and processing history.

If your customer needs to pay an invoice that exceeds these limits, you can address this by creating two separate invoices for them to pay or by using a different payment method.

If you have additional questions or need further assistance with QuickBooks, feel free to reach out in the Community forum. Just click the Reply button, and we’ll be happy to help!

M

MaryJayne Totans

New Member

I have been using the same account for a year and it’s showing payment method declined

E

EvethC

QuickBooks Team

Is your customer receiving the same error mentioned above? It is certainly unexpected for an account that has worked seamlessly for a year to face declines suddenly.

Depending on how you are trying to pay, here are a few things to check: for credit cards, verify that the details are current and correct, or try breaking the invoice into smaller, partial payments if the transaction is larger than usual and is being blocked by the bank. For bank transfers, check if the customer received a rejection email containing an "R##" code. This code will pinpoint the exact cause of the failure.

You can also review our guide, "Fix payment errors when your customers pay invoices online", for more detailed information.

As a next step, I recommend having your customer contact their bank to ensure there isn't a temporary security hold on the account.

Please let me know whether they are processing a credit card or a bank transfer so we can determine the best path forward.

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