drbboyd@gmail.co 

As stated, once the sales receipt is created, it will start the process to draft from the customers bank account right away.

So, are you asking for some kind of report or method to show if the automatic payment failed?  If so, you can run a report from the Merchant Portal that will show your transactions and if any failed.

In QBO go to Gear Icon/Account and Settings/Payments/Manage My Account

This will bring up the merchant portal.  Then at top click on Activity and Reports. Then Transactions.  From here you can run a report based on date range of all transactions and see which ones failed.

Is that what you are looking for?