I don't believe there are any that do what you want.It has something to do with the nature of the ACH transaction....

I like that I can up charge the 3rd party's service for ACH and credit card payments If I choose too.

I rent my units a little below market to get head ache free tenants, to me it's well worth it.  

I collect most rents by ACH, so some fairly specific rules to follow for that.2) Admin Schedule document, showing weekly, monthly, quarterly, and annual activities.3) Master spreadsheet, showing every tenant move-in and move-out date or rent change date, and balance of deposit funds on account by tenant, and monthly rent received.

They should be jointly and separately liable for the rental and sign one lease but I allow them to pay via ACH separately. 

I'm the muscle and she's the brains.

The biggest issue at the time was having funds returned, but that's a function of the antiquated ACH system not because of the eRentPayment service.

Get her on an ACH debiting service that takes the money from her account the day after she is paid.

My tenants take rent directly to my bank by either ACH/direct deposit, mail it to the bank, or go to the bank in person.

This software has some hidden fees in ACH transfers, which are charged to the property manager for every ACH transfer a total of $.50 and could be more depending on the days it takes to transfer.