This is a pathetic money grab.  I refuse to do it.  I subscribed to Quickbooks for my 501c 3.  It is a very small non profit.  I use Stripe and Donorbox for all transactions.  If Quickbooks requires another layer of security then they should include it in the subscription and make it invisible to the customer.  I can easily download my info from Stripe to a spreadsheet as I have done in the past.  I had decided to test Quickbooks on this small business.  Total fail.  I plan to cancel my subscription and to keep my external accounting firm for our other businesses.  Complete joke...