@jgenshlea Try Melio Payments, but NOT the version that QBO tries to sell you on from within QBO.  Go directly to their website - it's a more robust version than you get if you try to connect from within QBO.  And free if you pay vendors using your checking acct.  I've gotten pretty good support from them when needed too.  If you do need to void a payment, it can be a little hokey (you have to send them a bunch of info in the chat, then it takes a day or two), but at least they don't mess with my books.