It has absolutely nothing to do with anything you’ve just said and everything to do with Intuits rules on payment velocities, Account Validation or lack thereof...
How about you escalate this thread to someone at quickbooks who can help before government bodies start to investigate you for selling products to consumers tha...
Intuit has an issue with their ACH Validation service and no one knows how to fix it. It’s a SCAM because they sell you that you can accept all types of payment...
