How secure is ach payment? Can it be returned?

Hi, @mightyoaklandsca. It's great having you in the QuickBooks Community.

ACH payment is generally a more secure payment option since Nacha oversees the ACH Network to ensure safety, and QuickBooks complies with Nacha. Yes, QuickBooks also allows refunding a customer's ACH payment transaction and chargeback when a customer disputes the ACH transaction with his financial institution.

However, do you mean processing ACH payments for customers or vendors in QuickBooks Online (QBO)? Nevertheless, let me help you by giving resources as an overview of both.

If you're considering signing up for QuickBooks Payments for processing customer ACH payments, you can refer to these articles:

• Take and process payments in QuickBooks Online with QuickBooks Payments
• Process an ACH bank transfer from a customer in QuickBooks Online
• QuickBooks Payments FAQ

You can also process ACH payments for paying your bills through QuickBooks Bill Pay. Refer to this article as a guide to learn more about this: Learn about QuickBooks Bill Pay.

For future reference, you can refer to this article to learn more about how QuickBooks helps keep your customer payment card data safe: PCI Compliance.

Keep us posted if you have further questions about QuickBooks Payments and QuickBooks Bill Pay in QBO. We'll do our best to assist. Take care.

@mightyoaklandsca 

Send ACH payments to your vendors or receive ACH payments from your clients?

Receiving payments from clients and then possibly “stop payment” on it. Is that possible ? 

ACH is secure but you will need extra effort to refund it if you are using QB Payment. It is easier to do so with 3rd party payment processors.

I appreciate your follow-up, @mightyoaklandsca. 

Yes, it's possible to stop the payment you receive from your clients when they initiate to not continue the payment. Otherwise, we can refund the payment to the clients once the transaction has been cleared.

Moreover, I'm adding these future articles that can help you complete your tasks in QuickBooks: 

• Process an ACH bank transfer from a customer in QuickBooks Online 
• Take and process payments in QuickBooks Online with QuickBooks Payments

Drop a comment below if you have further questions about receiving payments in QuickBooks. The Community team is always around to help.