Let’s address the two key error messages you're seeing and tackle them one at a time, saacommodities.

Error 20061 - Exceeds Withdrawal Value/Amount Limits occurs when the transaction amount exceeds the cardholder’s specified limits, either set by your bank or any merchant services. To help you address this, it’s best to reach out to your financial institution and verify if there are daily, weekly, or per-transaction spending limits on their card.

If this error or alert is related to processing vendor payments through QuickBooks Bill Pay, it's important to know that there are standard daily and monthly payment limits for some users. These limits are established based on individual banking activity and processing volume history.

Thus, if you exceed these limits, online payment capabilities will be temporarily suspended until your limits are restored within a 30-day period.

On the other hand, the 20151 - Cardholder Failed 3D-Secure Authentication error indicates the payment couldn’t be authenticated due to 3D-Secure requirements, which add an extra layer of security by your bank to confirm your identity.

To resolve this, I recommend ensuring all required security steps are completed and verifying that the correct one-time passcode, PIN, or other authentication details are entered accurately.

Alternatively, you may want to consider using a different payment method to complete your transaction.

I’ll leave this thread available, so feel free to reply at any time for further queries.