@cdhmercer 

Be aware that, if you set up your QB Payments account around September 2023 or later, they will charge you a 1% on ACH payments, which is totally and completely outrageous, considering ACH is the most cost effective way for banks to send money.  If you had your account prior to September 2023, there's a $10 or $15 cap (can't remember which) which isn't too bad.  Keep in mind, 3rd-party payment platforms like Bill.com and Melio charge a flat $0.50 per ACH regardless of amount.  I have no affiliation with them.  I just hate to see customers being gouged.