Yes, I would agree- ach transfer is useful but it is not as safe as a credit card transaction. I recently had someone ach transfer via QB- their bank confirmed they had the money so QB marked it as paid. However, when QB went to actually debit the money from their account hours later they had already transferred the money out of their bank account. I had already shipped the product when we found out that QB had not actually processed the transaction. Out $500 for that one. 

I agree tho, these companies are messed up.