I was wondering if anyone can recommend a service that will allow electronic payments via ACH, but dont charge such large fee's?

I tried to set my tenants up with cozy.co for ach autopay, but months later nobody has used it.

Can someone recommend a rent collection website that does not charge the tenant a fee to pay rent via ACH? 

We use lease runner for applications, DocuSign for our leases, quicken rental to track payments and square invoice with ACH to collect rents.

I did very minimal updating - paint, carpets, medicine cabinet in the bathroom and I was able to get a market rent price for the tenant-occupied unit. 

We do our own hosting and we are both full time processionals in busy careers - teaching and medicine.

When I say full gut I mean the floor had no flooring it was bowed and rotted joists ..there was no tub no shower no fixtures no toilet no vanity no lighting medicine cabinet or anything , just an empty gross room with a bowed/sloped floor with a window .

I've been conditioned to buy dirt cheap with all of the head aches that the renovation may bring, but the new builds at the prices I'm seeing are almost a no brainer for me.

As I grow my Portfolio, my Insurance company seems to be more of a head ache.

Is there an easy way to just ACH someone without QuickBooks?