I am also having this issue. Every single customer that has tried to pay me has been declined (from small local banks to Wells Fargo). I confirmed and I know my customers are using the appropriate routing and account details. Over four different calls to QuickBooks, I was offered the same solution to pay the credit card processing rates which is entirely unacceptable and is a bait and switch sales tactic. (For my particular invoice, the increase in fees was 2,533% from $10 to $2.9%.)
I was told that "the system" is restricting ACH payments due to a security issue. The agent said they cannot "manipulate the system" and to have the customer process the payment again after 24-48 hours. A previous customer had already attempted to process the ACH payment 8 times over a 34 day timeframe. They ended up driving to my location to deliver a paper check to me (HOW EMBARASSING!). Because of this, I experienced an availability of funds delay while my bank cleared the check. It is unacceptable that every customer who tries to pay me becomes an experiment to see if the payment will be allowed to be processed by QuickBooks Payment. As much as I love discovery and science, this is not a sound business practice.
The agent implied that my account was too small to qualify for a greater level of service or attention which was why I was not transferred to a more senior agent to discuss the issue with. After reading how others in this discussion thread have had a similarly poor experience, I also feel I have made a mistake with this payment processing choice and will be looking outside of Intuit for a payment processing solution.
I am a CPA and QuickBooks Pro advisor offering accounting services to my clients. These kinds of issues erode my credibility as an advisor and are highly embarrassing. After my personal experience and reading this thread, I cannot recommend this as a payment solution to any customer and would advise anyone looking for a payment processor to avoid Intuit/QuickBooks Payments for this service.
I would also not recommend the Green Dot/QuickBooks Checking account that I attempted to sign up for when applying for QuickBooks Payments. The checking account was declined, no one could tell me why, and repeated attempts to apply were also denied. During multiple calls to try to resolve this separate problem, I was told that the ACH fees are NOT waived with the QuickBooks Checking account which was the entire reason I was interested in signing up.
I will also leave this feedback as directed in this discussion by the QuickBooks Team.
Now I am off to go lick my wounds and spend more time finding a solution to this problem that should not exist.
