QBO is able to set up recurring payments with card or ACH transfer.

@Villy Ellinger Simple repairs like replacing a ballast in a fluorescent light, replacing a thermocouple or heating element in a hot water tank, replacing the agitator dogs in a washer, replacing the heating element in an electric dryer, replacing the ignitor in a gas dryer, replacing a faulty breaker in a fuse panel, replacing the fill valve/flapper/wax seal in a toilet, replacing a garbage disposer, replacing a capacitor in a CH/A unit, etc. 

Alternatively, look at Tellus free smartphone app/ PM software which basically incorporates Naborly screening along with tenant maintenance/ communications and free ACH bank payments.

how do you guys handle to ACH fee that used charged for rental payments?

You end up paying more than what you would have if you just payed via ACH or check, in addition, points earned will not make up the deficit. 

My initial reaction is that buildings in flood zones are inconsistent and a potential head ache.

That’s why Cozy, Venmo, etc all use checking accounts (ACH) to do the transactions, it’s much cheaper for them so they can offer the basic services for free - and make up the loss on their paid services.

I am in a tough situation between these items and need some representation and muscle lol. 

I am looking for a form to be able to give the old tenants an option for how to pay. example, pay through cash app, deposit rent money in certain bank account or pay through ACH. 

In fact, anybody who utilizes ACH will have the same standard processing days.