I don't see a payment from a customer in my bank account?

Let's work together in determining why the customer payment is missing in your bank account, userajtech

For new QuickBooks Payments users, ACH payments may experience a slight delay in the first month. During the initial one to four weeks, expect to receive your payments within five days as we configure your account. Once the setup is complete, you will receive an email notifying you that your payments will resume processing at the regular speed.

If you aren't brand new in accepting payments, the missing amount could be due to the deposit speed for your product. I've included the steps below to verify this:

1. Go to the Gear icon and then select Account and settings.
2. Choose the Payments tab.
3. Review the Deposit Speed section.
   
   

Aside from that, I suggest browsing this article to learn more about payment deposit schedules: Find out when QuickBooks Payments Deposits Customer Payments.

Additionally, I've added this article to help you determine why your fund is on hold: Funds are on hold.

I'll be around if you need further assistance handling payments and deposits in QuickBooks Online. Simply leave a comment below, and I'll get back to you. Keep safe.