Need some clarity to the QuickBooks Payments process

And that, Ladies & Gentlemen, is why we don't let QB process our payments, NOR do we let them hold our money.  

I don't have any answers for you, other than QB is NOT reliable, honest and trustworthy.  They should NOT be allowed to do anything with anyone's money.  

There is NO reason that they should need anyone's home address for a business account.  It all goes back to them being dishonest and untrustworthy. 

I'm sure someone from Intuit/ QB will be along shortly to bulls*** you and their way through an answer.  

Good luck.  

It is totally reasonable to feel uncomfortable handing over personal documents, and I can hear how exhausting this ongoing loop has been for both you and your client.

To clarify why the payment process differs from a regular bank feed, it's important to understand that it operates in a Read-Only mode. When you link a bank account, QuickBooks is simply accessing data. Your financial institution has already confirmed your identity, so the program only requires your login information to view the details.

On the other hand, payments involve transferring funds. As a payment service, it must verify the identity of the individual responsible for the account. They also use the home address to prevent fraud and ensure compliance with federal regulations. For more information, please refer to the Terms of Service.

As for the constant rejections, they're typically caused by small typos or mismatches. Making sure all information is identical in the QuickBooks Payments setup is usually the quickest way to obtain approval.

If you have any further questions or need additional assistance, please don't hesitate to ask.

I appreciate your response, @AdonL . I'm working with small businesses today, but I come from a corporate finance background, so lots of experience with SOX, fraud prevention measures, and all that. Still, I'm having trouble understanding why QBO is requiring so many levels of personal information for a client's S-Corp business. I wasn't comfortable with uploading the image of my client's driver's license, but did so with his permission. How is that not enough? Now we're asked to upload his personal checking statement. That's too much. 

"As for the constant rejections, they're typically caused by small typos or mismatches. Making sure all information is identical in the QuickBooks Payments setup is usually the quickest way to obtain approval."

Does this mean that the approval process is done by AI? Out of the four document submissions, I feel anyone looking at the docs would be able to pass this through.