QB Issue Resolution:

To accept a credit card or ACH payment via the QBO customer invoice you would need to setup “Payments”. But you can still give your ACH banking information to your customer to make a payment for an invoice and expect that payment to show up in your connected bank account feed. In this case you would not be processing the payment via QBO Payments (merchant processing), this would be a bank-to-bank ACH transaction.  For credit cards payments you would need a POS system (PayPal/Stripe/Square etc.) or a virtual terminal of some kind. If you setup QuickBooks Payments the ACH type payments are free and your customer could pay via the electronic invoice. There is a fee for credit card payments.

Resolution for Issue 'I never used Quickbooks before. Do I need a merchant account to accept payment when I invoice a client? Or is linking my bank account enough? Thanks!' available: Yes (Solved).
Source: Intuit Community forum.

I never used Quickbooks before. Do I need a merchant account to accept payment when I invoice a client? Or is linking my bank account enough? Thanks!: this issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the issue yourself by looking for a resolution described below. If it is a complex issue or you are unable to solve the issue, you may contact us by clicking here or by using other support options.

Support for ACH payment
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Error Recovery for ACH payment [Canada]
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