Chiming in on this topic. This has been an ongoing source of frustration for me. I submit 25 invoices weekly for ACH processing and rarely do they all go through. The customers have funds in their account and the transaction is definitely being rejected by QB Payments - the bank(s) never see it on their end (and they would know if their system is rejecting it). Like others, I've spent (wasted) too much time on the phone with Customer Service Agents who either have no idea what is really happening or just plain admit that there is nothing they can do about it. Primary responsibility for fraud should (and I believe does) lie with the bank - QB should be a backstop, not a primary driver of failed transactions due to 'security concerns'. I cannot run my business like this any longer and am in the process of onboarding a new payment service provider. I am hoping they provide better service.