This isn't the kind of impression that I'd like you to have and we know how much time it can take when something isn’t working the way you need it. I'd like to help and make sure you get the best assistance for your concern.
The amount that QuickBooks Payments users can receive online in a rolling 30-day period by credit card or ACH bank transfer is limited. If the limit is higher than the expected limit, your customer will be unable to make an online payment until your limits become available again. You can still be paid in cash or by check during this time.
Furthermore, the deposit may take longer than expected for a variety of reasons. If you see that the payment is being held, you can check the status of the payment by logging into your Merchant account. The word "Withheld" must be present in the Method column. You'll also receive an email regarding the hold, with instructions on how to resolve any issues. If you do not receive one, I believe the payment simply necessitates additional investigation to ensure the safety of all parties involved in the payment procedure.
For the exact reason for the closure of your account and to have it reopened, I'd suggest contacting our QuickBooks Payments team. They'll pull up your account in a secure environment and help you with this one. They can also provide you with details about the returned payments inquiry.
I'm also adding these helpful resources regarding QuickBooks Payments.
That should point you in the right direction. Please let me know how it goes after reaching our support. I'm only a few clicks away if you have any follow-up questions or concerns. Take care!
