If my customer sent a payment and their is no bank account for it to go to how do I get the payment

If your goal is to receive customer's payment, then I've got you covered, townes_mike-yaho.

Before proceeding, I'd like to verify if you already set up a QuickBooks Payments account? Once you use a Payments accounts in processing credit card and ACH payments, the payments go into the external bank account you choose. This is will serve as your payments account. 

Here's how to set up a QuickBooks Payments account in QuickBooks Self-Employed:

1. Go to Invoices from the left menu.
2. Select Create invoice.
3. In the Ways to Pay section, click Activate payments or Set up Payments. 
4. You'll be routed to the Payments account application page. Fill in all the necessary information.
5. Select Activate payments. 
6. Once done, you'll return to the invoice you started. You can complete, send it off, or close the page.

The screenshot below shows you the third step. 

Please take note that the decision process will take up to 3 business days. You'll receive an email notification if the application is approved. If you haven't received anything within that period, I recommend contacting our QuickBooks Payments Support Team.

Once approved, you can receive an invoice payment from your customer. 

We usually deposit your funds within 2 - 3 business days of the transaction. Since you're a new user, your first deposits may take a bit longer while we set up your account. Once we set up everything, we'll quickly deposit your customer payments. To learn more about this process, go through this article: Find Out When QuickBooks Payments Deposits Your Money. 

Also, you can always go to the Invoices page to manage your transactions. From there, you'll be able to view, edit, duplicate, send, print, delete, export it as PDF. The invoice will be automatically paid once the payment is received. For more details, visit this article: What Happens When I Send An Invoice?.

I'm just around to help if you have other concerns. Enjoy the rest of your weekend, townes_mike-yaho.

@townes_mike-yaho 

If you are not using QB Payment, you may open a virtual business account at Wise as your bank account to accept USD payments by ACH or Wire. You can utilize the bank feeds to your QBSE account.

https://wise.prf.hn/l/64dl92k