Does anyone know how to retrieve funds paid with the Pay Now feature before our banking info was set up?

Hi n_egan-hotmail-c,

Welcome to Community!  QuickBooks Online Payments is a great feature that allows your customers to pay directly from their invoice, so you get paid on time.  In this situation, I suggest contacting our Merchant Services customer care team.  They'll gather the necessary information and look at your account from their end, to ensure you're on the right track with your payments received.

Schedule a Callback or start a Chat: click (?) Help in the upper right in QuickBooks Online > enter "Contact support" > hit Contact Us > provide a brief summary of your situation > hit Let's Talk > choose Get a callback or Start a Chat.
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Please feel free to reach back out with other questions.  We'd be happy to help!