There could be several reasons why your funds have not yet been credited to your account, sportmhe.
To begin with, if you're a new user of QuickBooks Payments, your first few payments may take longer to process. It can take up to 5 business days for these initial payments to be deposited while your account is being set up. Once the setup period is complete, future payments will be processed more quickly.
For more details, please refer to this article: Find out when QuickBooks Payments deposits customer payments.
However, if you don’t use QuickBooks Payments, the deposit timing will depend on the bank receiving the payment. Processing times can vary depending on factors such as the payment method and the bank’s internal procedures.
Feel free to reach out again if you need further assistance.