Thanks for joining us here in the Community, sharla-pinn.
I'm here to provide some info regarding your question about QuickBooks Bill Pay.
When you go to make a vendor payment and select Schedule a Payment the processing time takes 3-5 business days with ACH, and 8-10 business days with a check. There is an option to use Faster ACH, which will process the next business day. In this instance, I recommend submitting feedback to the Product Development Team so they'll be made aware that you'd like to have the ability to make same-day payments in your account when necessary. This can be done directly through your QuickBooks Online account by clicking the Gear icon in the top right corner, then select Feedback.
I'm linking a couple of articles for you that provide additional info about QuickBooks Bill Pay. You can check them out here:
Please don't hesitate to reach back out if you have any other questions. I'll be here to lend a hand.