I have ACH setup through Stripe and Plaid, working fine for regular invoices, however Zoho Books is not providing the option to my customers to pay retainer invoices via ACH. I am also not able to charge the customer with a setup bank account account via Plaid for retainers. This must be a mistake or bug since I can't imagine why Zoho would implement ACH for one invoice type and not the other. 

Anyhow this is pretty disruptive to my business and need a solution or help with a workaround.