Thanks for posting in the Community, @pauletteklockman. I can provide clarification about funding delays.
A new merchant's initial transactions will be deferred for at least seven days as part of a standard process. Once their information is validated, they should be funded at the regular next-day expectation. If QuickBooks Payments has requested any documents from you, I encourage you to follow the directions in your email.
Please let me know if I can be of further assistance by commenting below. I hope you have a great rest of the week.