Thanks for reaching the Community space, @NealRMNealRM. I appreciate all the details that you've shared.
I'm here to share some insights about the returned ACH transaction.
To fix the error code RO3/RO4 or No Account/Unable to Locate Account/Invalid Account Number, you'll have to sign to the Merchant Service Center and update your bank information in the Account Profile section. For account security, you may need to enter the last four digits of your business Tax ID or SSN.
To change your bank account info:
- Log in to your QuickBooks Payments account.
- From the menu, select Account, then Account Profile.
- Go to the Deposit Account Information section, then select Edit.
- Select how you want to receive the code (text or voice call).
- Enter the code in the pop-up window.
- Enter the Account Type, Routing/ABA Number, and Account Number, then select Submit.
For more information, see these article: Update business and account info.
With regards to the charge, I'd recommend contacting our Payments Support Team. They have tools that can verify the charge and further help you with that matter. To reach them, click this link: Contact Payments or Point of Sale Support.
I've listed these references that will guide you in handling rejected ACH payments in QuickBooks:
Please leave a reply below if you have other questions or concerns. I'm always here to help. Take care and stay safe!
