@fpbinvestor123 

No, it sounds like you're on the right path.

If you have an active merchant account, you can send Online Invoices which will allow people to pay them via credit/debit card or ACH.

If YOU want to do the payment, that's another screen.  If its for an invoice and you're processing a payment with their bank info, you would go to Receive Payments and select CHECK as the payment method.  You should get a popup box below that asks for their bank info.