Thanks for getting back to us, @Bpkeeper.

I recommend reaching out to our support team to review if you have multiple merchant IDs and to investigate why the Connect button isn't showing in your settings. They have the necessary tools and resources to assist with this.

You can contact them by following the steps provided by my colleague, @James_AL.

In case you want to check when QuickBooks deposits customer payments into your bank account, visit this article: Find out when QuickBooks Payments deposits customer payments.

Feel at ease to leave a reply if you have any other concerns apart from setting up your Payments account. We're here to help you in any way we can. Take care.