It's nice to see you here, @dana-wisner,
I can share some insights about the Merchant funds deposit.
If you're using QuickBooks Payments to receive online payments from customers, the posting of the funds may vary. This depends on the time when the transactions were created and which bank they are deposited. The period on how long it takes to verify and process electronic deposits may differ for each financial institution.
Additionally, there are instances when payments are taking longer than usual because the might be on hold for verification. For new QuickBooks Payments users, the first few payments take a bit longer to process while we set everything up. Learn how long it takes to get customer payments into your bank account.
You will need to contact our Payments Support to trace the funds for you. To contact us, click the following link: Contact Payments Support
Our representatives will help you further and explain what happened why it got delayed.
Comment down below if you have other concerns. I'll be right here to help you with anything QuickBooks related. Have a nice day!