Thank you for noticing, @Malcolm Ziman. Let me confirm my answer about recurring ACH payment.

In QuickBooks Desktop, when you go to the Customers menu, you can only select Credit Card Processing Activities in setting up recurring payments. There's no available option to do this using ACH payment.

I appreciate you joining in the discussion, @Anonymous. Yes, you're right, we don't have this option in the Desktop version. Even if you go to the Merchant Services account, there's no option to select the ACH payment method on their processing tool for recurring payments.

I hope this clears up the confusion about the availability of this setup in the Desktop. 

Let me know if you have other questions about recurring payments. I'm here to help however I can.