Welcome to the QuickBooks Community, xmenno llc. This isn't the kind of feeling that I'd wish you to have while using QuickBooks Payments. I'll be sharing details with the possible reason why the funds might be holding. Then, to ensure you'll be routed to the right support team assist you further on this matter.

Once you have QuickBooks Payments to take and process payments in QuickBooks, we regularly review payments to ensure everything is in a shipshape. This is for the benefit of everyone involved in the payment process. If you see the word "Withheld" in the Method column or the On Hold status, this means that the payments are still being reviewed to prevent any fraudulent activities on your account. 

Usually, you'll get an email at the email address you use to sign in to the Merchant Service Center once the deposit is ever on hold. That said, I suggest making sure that you read the email carefully. It will provide you with specific steps to fix any issues. Our Customer Support will usually ask for more information about the transaction that is currently on hold so we can complete our review. After providing them with all the necessary documents, they’ll usually complete the review within 2 business days and release or finish processing the payment. You can open this article to view further details: Why are my funds on hold?.

You might also want to check out this article to see steps on how you can check when QuickBooks deposits customer payments into your bank account: Find out when QuickBooks Payments deposits customer payments.

If the payment/deposit is still not deposited within the given length of time, I recommend contacting our Merchants Services Support Team. This team is the best resource for such inquiries, as they're able to request account information. They can also verify the status of the payment too and investigate why it wasn't deposited into your account yet.

Please also refer to this article to see how QuickBooks Payments deposits work in QuickBooks Online: Common questions about payments deposits in QuickBooks Online.

Please post a reply below if you have additional questions about your deposit. I'll be more than happy to assist you again. Have a great day and take care always.