qb is shafting its customers. 1% (no cap) on ach payments is robbery, but the invoiced can pay only a fee of $25 then holding the funds for more than 5 days is wrong?

1% ACH fee with a cap of $20-30 was fair. Removing the cap is greedy and outright wrong. They allow an invoiced party to pay ONLY a fee of $25 to collect an ach payment, but then penalize their subscribing customer by holding funds for more than 5 days. Everything QB does is to force you in to needing additional add on services for more monthly subscriptions. Any others feeling the same way?