I was told two days ago by Customer Support that the issue was with the customer's bank. Okay, the account was fairly new, customer checked with bank, which says nope, no hold, no reason at all why the account can't be used for an e-check (the bank even knew exactly how much was being paid). The customer and I tried again today and the payment was declined by (1) QuickBooks Desktop Pro 2020 Receive Payments; (2) QB email invoice View& Pay Invoice; and (3) logging in to Merchant Services online. Today - via phone and email - I was once again told by Customer Support that our customer has to coordinate with her bank to get "permission" to pay us by e-check. The customer's bank? Bank of America. (and yes, "why don't you try a credit card?")