I can see how you want QuickBooks to work the way it should be, EBC2024.

We usually review your payments to make sure everything is okay. You may notice that a recent payment you accepted is on hold but this doesn't mean that there's something wrong with it. It only means that we still need to review your payment. Also, you'll get an email at the email address you used to sign in to the Merchant Service Center with specific steps on what to do if indeed this is a hold issue. This will help you resolve your problem. So you don't have to worry anything. 

To know more about this, you may refer to this article for more details: Why Are My Funds On Hold?

Furthermore, QuickBooks downloads the latest transactions and suggests categories based on how you categorized similar transactions. I've added this article for more information on how you can categorize bank transactions: Categorize Online Bank Transactions In QuickBooks Online.

You can always get back to us if you have any other concerns about payments. We'll always be right here to assist you