It's not the kind of experience we want you to have, @gpines.

To check why the payment of your customer were declined, I suggest reaching out to our Merchants Services Support Team. They have the tools to check your account in a safe and secure environment and verify the payment. 

For more information about when payments will reach to your bank account, check out this article:  Find Out When QuickBooks Payments Deposits Your Money.

Let me know if you still have follow-up questions about customer payments or any other concerns. I'll be there to help in any way I can. Have a wonderful day!