SOLUTION! 

I had this work... I have had 2 customers suddenly have issues with cards that never had issues. Its VERY inconvenient and not something I am going to want to do every month for a handful of customers with monthly payments (so i hope quickbooks fixes this glitch in their system fast!). 

** Send an invoice with the option for them to pay via card in the invoice. Either have them do it, or I actually just sent it to myself ( i have this setting already for invoices) and entered the card info manually from the invoice and the transaction was sucessful. The EXACT info will not add to the customer profile within quickbooks which is crazy. QUICKBOOKS - please fix this issue. I have 150+ reoccurring monthly CC payments and can not continue to do this manually....this is why I choose your payment services, for ease, but this is becoming painful and very inconvenient. 

Thanks.