Why are payments being declined? Customer has funds, card number was entered correctly.

I want to ensure your customers can process payments successfully in QuickBooks, @jacoryn.

Let's check why they've received the declined notification for the customer's payment.

Usually, this happens because of the following:

• 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
   

That said, here are some tips and steps you can take to resolve the issue:

• 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 instructions, read the details from this link: Fix customer's declined credit card payments.

If none of the solutions work for you, you can consider asking your customer for another form of payment. If a customer needs to use the credit card you're having issues with, ask them to contact their company directly for help.

When everything is fine, I've attached this awesome resource for guidance in taking and processing online payments: Take and process payments with QuickBooks Payments.
 

Please post again or leave a comment below if you have more questions about processing payments. I'll be more than willing to help. Stay safe.

You should be able to log into your merchant service account and see the declined charges, with the reason for the decline.  For example, perhaps the address didn't match or the CVC code was wrong.

My Customer Is Trying To Pay My Invoice But He Said It Keeps Getting DECLINED !

Your Company SUCKS. I Tried To Have An Invoice Paid For FIVE DAYS And After A Three Way Call With My Customer And Your Representative All We Were Told Is That My Account was New And Had No Payment History. My Customer Owed Me $5000.00 He Tried As Low As $500.00 To Make It Go ThuAnd Still NOTHING. How Do I Get A Payment History When You Won’t Even Process ONE PAYMENT !!! Change Your Name To QUICK S.   T

I’m having this same problem. Please help.