I can see how it has been challenging to encounter transaction limits after putting in the effort to set up all your vendors, @NutSacBags. Your time and diligence in ensuring a smooth transition to QuickBooks Bill Pay is commendable, and I want to explain why some of your vendor transactions may be declining and how we can address this issue.

With your QuickBooks Bill Pay Premium subscription, you can use 40 ACH vendor transactions each month. It’s important to keep in mind that there are monthly limits that can vary based on the total amount of money processed over time. 

I realize the information I've shared is likely already known to you since you've contacted our live Payments Support team. However, I still recommend contacting them again, as they can provide the best assistance and further clarification regarding the declined vendor payments.

1. In your QBO account, go to Help (?).
2. In the Ask a question search field, enter your previous case number or keywords like "bill pay limit". Then, hit Enter.
3. Select the Search tab.
4. Click on Contact Us.
5. Choose Have us call you, Schedule appointment, or Chat with us.
   

    

When resolved, you might need to review the accounts downloaded or uploaded to QBO. Here are some articles to reference:

• Categorize online bank transactions in QuickBooks Online
• Match online bank transactions in QuickBooks Online

I appreciate your understanding and effort to bring this matter about transaction limits to our attention. In the meantime, if you need any additional questions, feel free to click on the Reply button, and we'll do our best to help.