I have been using instant deposits with my debit card until last week and now it comes up declined if I try and other card than my qb debit card

Hi there, @ajucustoms.

Let me share some details about processing payments. 

Can I ask if you receive any error messages when the payment was declined? Any additional information is much appreciated and it can help me provide the best solution.

Usually, this happens because of the following:

• Invalid account number
• Expired credit card
• Overlimit or past due
• General decline, no other information provided by the processor
• The issuing bank will not electronically authorize the credit card
• Billing Address in QuickBooks Online does not match the address on your statement

That said, here are some tips and steps you can take to resolve the issue:

• Make sure the credit card number and verification code (usually on the back of the card) are correct. Most credit card numbers are 16 digits long. American Express cards are 15 digits long.
• In addition to the credit card number, you need to enter a verification code. For most cards, like Visa, Mastercard, and Discover cards, it's the 3 digit code on the back of the card. For American Express, it's the 4 digit code on the front of the card.
• Make sure there are no special characters or spaces in the credit card number or other data fields.
• Use the customer's address from the US USPS website.

For additional instructions, feel free to read the details from this link: Fix customer's declined credit card payments.

If none of the solutions work for you, you can consider asking your customer for another form of payment. If a customer needs to use the credit card you're having issues with, ask them to contact their credit card company directly for help.

if you still experience the same issue, I suggest reaching our  Customer Support Team for further assistance. As they have the tools to pull up your account in a secure environment and answering any questions you may have.    

Before doing so, please check out our support hours to ensure that we address your concerns on time. Here's how to connect with our Customer teams:   

1. Sign in to your QuickBooks Online company.
2. Select Help (?) at the top right.
3. Select Contact Us.
4. Enter your concern, then select Let's talk.
5. Choose a way to connect with us:
   • Start a chat with a support expert.
   • Get a callback from the next available expert.
   • Get the number so you can call us when it's convenient for you.

Also, to know more about QuickBooks Payments, feel free to check out the information from these links:

• QuickBooks Payments Deposits FAQ
• Find out when QuickBooks Payments deposits your money

I've got your back always with any payments concern you may have. I'd be around to help you.