A bill payment stub is absolutly required functionality. I pay multiple invoices from individual vendors each week with a single ACH transfer.... There is no check stub!  I used to publish a .pdf Bill Payment Stub in Desktop that referenced the ACH transaction number as the check number and sent that along so the vendor knew which invoices to apply to the ACH funds to. It was easy and the process flowed effortlessly from the bill pay window. Finding, auditing and reconciling those transactions was super easy. QBO is suicidally tedious.