I'm confused as to why anyone even needs this feature.  I can be paid by cash, check, credit card, e-check through Intuit Payment Systems, e-check through the customer's bank and Zelle (Venmo for business was too expensive), and even chocolate chip cookies.  In 41 years I've had one deadbeat client.  So why would I need to spend any money for this RT service.  Is there a benefit to it I'm not aware of?