This is a complicated and overly complex solution to a simple problem. QuickBooks business checking is marketed as a small business "checking" account that is mobile first.  Paying bills and vendors with a check or electronic transfer is a basic expectation for a business checking account. It's probably more necessary than receiving payments. 

The solution proposed is not feasible and not possible on the mobile app. I don't think it's reasonable to ask every contractor I work with to provide a W-9, many are doing small jobs on a one off basis (cleaning, repairs, etc.). Reporting the payment as income is their responsibility. Paying them in cash makes it harder to track and account for expenses.

Is there a plan to add paper checks or electronic transfer in the near future? If not, I will need to move my account.