Hi, Xue.
The ability to access funds instantly is available to users who have QuickBooks Payments connected to their QuickBooks Online (QBO) account. To learn more about how this feature works, check out this article: Get instant deposits.
For QuickBooks Payments users who don’t have a QBO subscription, transactions will follow the standard processing times. This article provides helpful details about processing timelines: Find out when QuickBooks Payments deposits customer payments.
If you’re considering subscribing to QuickBooks Online to take advantage of this feature, feel free to visit this page, where you can explore subscription options designed to fit your business needs.
Don’t hesitate to reply to this post if you have any additional questions.