Received a payment but it is not being deposited in to my bank account

Every small amount of money is valuable and should be saved, HP60.  Rest assured you have my full support  and I'll provide clear instructions for you to trace the payments in QuickBooks Online (QBO).

We usually review payment transactions in QBO within 2 business days. However, it may take your bank 1-2 business days to settle the funds in your account, which means it could take up to 3-4 business days for you to receive your money.

If you haven't received your funds within the expected timeframe, your payments may be on hold. It can delay the payment processing and could be caused by the status or your bank.

To confirm the status of processed payments, you can follow the steps below:

1. Sign in to the Merchant Service Center.
2. From the homepage, click Activities & Reports and then Deposits.
3. Select the date range in the Dates field.
4. Click Search.
5. Click on the ▼ arrow in the Fee column to view the detailed information on each payment deposited into your bank account.
6. You'll see Withheld or Batch Deposit Returned in the Status column.

If there are issues with your invoice payments, we'll send an email notification with instructions for you to resolve them. I recommend checking your inbox, spam section, or junk email folder.

I also encourage you to contact your bank to verify if they have specific requirements when processing payment deposits.

Otherwise, you can contact our QuickBooks Merchant Service Team to follow up on the payment status or conduct an investigation if there is any.

I invite you to review the following links for assistance with resolving deposits in pending status that require payment resolution: 

• Why are my funds on hold?
• Find out when QuickBooks Payments deposits your money.

Additionally, I recommend reconciling your account regularly to ensure amounts align with your bank: Reconcile an account in QuickBooks Online.

I'm here to assist you with any payment-tracing inquiries in QBO. Please leave your comments below, and I'll be there. 

Actually, @HP60 , When QB feels that they have collected enough interest off of YOUR money, they will release it.  Expect to have your money held a lot, and for weeks, by QB. It's what they do.  

Good luck.