I just recently signed up to QBO and my experience has not been great so far getting things setup. I have seen a few threads about ACH payments getting declined and no email with R code. I am not sure this directly relates since it seems like a you were receiving payments then it stopped working. While I just joined and couldnt even get it working, tried two different bank accounts / two different people try to pay an invoice I sent them. The only customer service response I got was nothing is wrong on our side it must be the bank etc and to wait 24 hours try again. I tried again this morning and of course same issue declined (its a $5 test invoice) so not insufficient funds and I wrote the routing/acct triple checked and no email with why its rejected or merchant service information just declined. Finally I re-read the threads and found one post to try out something before I give up and go to stripe. To my amazement I did the change and I was able to start accepting payments. Now again this might not help everyone on this thread but hopefully some who run into the same issue it may.
Steps:
1) go to your merchant services page
2) top bar go to account > account profile
3) Under deposit account information press edit
4) Now if you signed up like me through the quick connect bank account you should see your info already filled in but there seems to be a bug in their software or somewhere when you do it this way.
5) Under New Bank Account, re-enter your information Routing/Acct manually
6) Reason for account change, fixed incorrect information
VOILA! All the sudden I am able to accept ACH payments
According to this post I found in another thread, some backend customer service rep said they found a wrong number in the acct# when looking at that customers information that was under the bank account info. My guess as far as I can tell is there must be a bug in the software when you sign up through the auto connect your bank info when I first got QBO up and running.
TLDR ;
Go enter your bank account information manually under merchant services webpage
