That's pretty accurate. Quickbooks gives you a very easy payment method, in exchange for holding your money for a long time before disbursing it to you. Going on 7 days of "held in review" after being told by my customers their bank has already released funding.  Was very surprised to see checks that would normally take 24 hours to move into my account, now take 14 days. I will never offer this option to a customer again, as it puts my business, and any project we are working on together - at risk.