I am having this exact same issue. I am an Accountant User and one of my clients cannot pay any of his vendor's invoices (sent from the vendor's QBO account) using his Bank of America account number and routing details. We initially thought it was an issue with the way BOA had set up his account so he just opened a brand new account with everything corrected on BOA's side. He has tried to pay one of the vendor invoices (sent to him from his vendor's QBO account) using new BOA account and routing number and it is saying "Payment declined". We have quadruple checked that we are using the correct account and routing numbers. I tried processing an ACH payment via a sales receipt from my QBO account using the new bank account and routing numbers and it DID process. So it is not an issue with the bank. It appears to be an issue within QBO when you try to pay another QBO invoice via ACH/bank transfer. We have tried paying it on different computers (my laptop, their laptop, a cell phone). Nothing works. This is truly beyond frustrating at this point because I have spent many many hours on the phone with QBO support trying to figure out what is causing the payment to decline. My client has also spent a lot of time with me trying to trouble shoot this issue. It appears, based on this forum thread, that for whatever reason, QBO cannot process a bank transfer payment from a BOA account (& other banks as well) which is pretty absurd because BOA is a huge bank. The QB support person I spoke with today (for 45 minutes) did not see any outstanding tickets or issues open about this - but I have seen multiple responses from QB support on this thread that state that there is an open issue - so which is it? Can someone from support contact me so I can get added to these "tickets" that are out there? This is clearly an issue for a lot of people and has been going on for months - QB needs to resolve this.