im looking to eventually switch from quickbooks to zoho books.

quickbooks accepts ACH payments for 25 cents a payment (flat fee).

What are the options for accepting ACH through zoho books?

is it only forte and authorized.net? 

authorized.net is expensive for this, and forte for some reason denied our application.

I noticed PayPal payflow pro technically accepts ACH but I dont see that option in zoho when trying to set it up.