In Desktop Enterprise the ACH vendor payments feature sits behind the Bank Feeds/Online Banking controls, and those don’t fully unlock just by giving someone broad access. QuickBooks still expects the admin to explicitly enable online payment permissions for each user inside the Banking/Online Banking section of the user setup.

The odd thing is that even if you think you’ve checked every box, ACH still won’t appear unless the admin logs in, goes to Set Up Users and Roles, opens that specific user, and marks the Online Banking/Online Vendor Payments options. After that we had to log the user out, restart QuickBooks, and only then did it pick it up. A bit clunky, but that’s what finally made it work for us