Hello, @ktags. Thanks for sharing the details of the issue you're facing with matching your ACH payments in QuickBooks. Let’s work through this together to find a solution.

When you use QuickBooks Payments, the system will automatically generate the payment and bank deposit for you. You don't need to modify what the system has created.

You can simply match the downloaded payment or transaction to the existing payment created by the system. If it can't be automatically detected, you can use the Find Match feature.

Certain factors may prevent you from matching transactions, such as:

• Mismatched amounts or dates.
• Transactions older than 6 months.
• The bank account on the payment isn't the same as the bank where the match is located.
• Reconciled payments.
• Transactions already matched to another entry.
• When dealing with foreign currencies, the system will look for transactions falling within a 10% range of the bank transaction dollar amount.
• Multiple currencies with significant exchange rate shifts result in very different amounts.

However, you can still find a match by selecting the Find other matches option.

For more detailed information, visit this article: Match online bank transactions in QuickBooks Online.

To make sure your accounts consistently align with your bank and credit card statements, you can reconcile them.

Feel free to reach out anytime if you need more assistance. I'm here to help. Take care!