Why would a credit card payment say deposit on hold?

Hello, @pete-petedecampp. I'd be glad to offer some assistance with your delayed deposit question. 

When something unexpected occurs in your transaction(s), a hold may be placed on the funds. This is to protect all parties involved in the payment process. Here are some common reasons for holds:

• When your payment processing exceeds the established maximum dollar amount expected on your account. 
• When a transaction is processed after several authorization attempts and failures.
• When certain transactions require verification of your business type to ensure it is compliant with the Intuit Acceptable Use Policy.
• When our systems identify processing patterns that pose a risk to any of the parties involved: You, your customer, or Intuit. 

Also, the approximate wait time for credit card payments to be transferred to your bank would take 5-7 banking days, while ACH deposits may take 7-10 business days. You can log in to your Merchant Services account to check your payment history. It keeps a complete record of your payment activity. 

Here's how:

1. Sign in to the Merchant Service Center.
2. Go to Activities & Reports.
3. Choose Deposits.
4. Set the date range in the Dates field.
5. Click Search.

If it shows Withheld or Batch Deposit Returned status for any issues with the customer payment. If the payments were already deposited, you'd want to contact your bank for additional verification steps.

Otherwise, you can contact our QuickBooks Payments Support. They can pull up your account in a secure environment, and check out the status of your customer's payment.

To get more details in handling deposits on hold in QuickBooks Online, please check out these articles:

• Understanding Payment Holds.
• Held Funds for QuickBooks Online.
• Deposits FAQ.

This should get you moving today, @pete-petedecampp. Don't hesitate to let me know if I can be of additional assistance. I'm here to make sure everything is taken care of.