This is absolute malarkey. This problem falls on both Discover and Intuit. Discover could choose to offer a QBO file, but you know what....INTUIT....you chose to have a proprietary input scheme. You just as easily could offer a CSV input function and make your product compatible with nearly every bank in existence. SHAME ON YOU for gouging your small to mid-size business. Subscription services and "one off" conversion tools is no way to keep customers.