Thanks for reaching out in the QuickBooks Community with your question. QuickBooks Online is a comprehensive accounting/bookkeeping program designed to help you stay on top of things. I want to make sure you get the support you're looking for.
Clarification on what you're trying to set up would help answer your question. I'll go through some of the options you may be referring to.
If you want to process credit cards within QuickBooks Online, you'd need a Payments account, which is only available for processing Canadian credit cards.
If you want to send and receive ACH's, or EFT's, this is not a feature in QuickBooks Online. The program is meant for recording the transactions, not processing them. You may be able to find a third-party app in the QuickBooks App Store that you can use for this purpose.
I hope you found this helpful. In the case that you were looking for other information, please reach back out. I'm here to help. Take Care.
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