Thanks for following up with the Community, Softwareshouldwork. I appreciate your detailed information.

Our QuickBooks Payments services are a native Intuit service.

In regard to your question about what can be done for declined (failed) payments, you'll want to work with your customer to identify why the transaction declined. Additionally, you can check the payment status in your Merchant Service Center. Intuit also sends email notifications about rejected ACH payments, so you'll be able to find information about a decline in the emails about them as well.

Once you've identified why an ACH transaction has declined, your customer can address the issue on their end, then let you know once it's been resolved. Once the reason that caused the decline is fixed, you can attempt processing it again.

Here's an article that goes over the different reject codes that can cause ACH transactions to decline: Fix rejected ACH payments or fees

As you'll see, each code has its own reason for declining an ACH payment. If it's an R01 code, it will mean that there was insufficient funds in your customer's account when their bank tried to debit the amount from them. An R02 would mean that the account is closed on the bank's end and cannot be debited because of that reason. An R03/R04 reject means that the account doesn't exist/can't be located. This can occur when an account number was entered incorrectly.

After identifying the reason for a particular payment being declined, you'll have a better understanding of how to fix it, or if you may need to take a different form of payment, such as using a different bank account, a card, or cash.

If you'd like to discuss processing limits for your account, these are specific to each and every QuickBooks Payments account, so you'll want to get in touch with our Customer Care team to directly discuss the specifics of your accounts limits and if a request can be submitted to look into the possibility of raising them. They'll be able to discuss the limits, and timeframe limitations for processing payments, as well as answer any questions you have about this part of your account.

They can be reached while you're signed in.

Here's how:

1. Use the Help (?) icon.
   
   
    
2. Click Contact Us.
   
   
    
3. Enter a description of your situation in the What can we help you with? field, then hit Let's talk.
   
   
    
4. Select Start messaging or Get a call.
   
   

Be sure to review their support hours so you'll know when agents are available.

I've also included a detailed resource about working with rejected ACH payments which may come in handy moving forward: Fix a rejected bank transfer payment

If there's any additional questions, I'm just a post away. Have a wonderful Monday!