@Pleasant Paula 

You can signup for a Melio account for free to pay your vendors by ACH for free. The only downside is that you have to record transactions manually on your QB Desktop 2021.

https://affiliates.meliopayments.com/pricing

You can also get $100 as cashback to pay your first bill by credit card. T&C apply.

https://affiliates.meliopayments.com/cashback