Serge... you are one of a kind.

Thanks for the damage control.. but I'll take if from here. (BTW - I can't beleive we don't have each other on ICQ. Email me!)
Frustrated - I don't know what purpose you have for posting under a fake nic. If you have a legitimate complaint you can speak to me publicly or privately without fear of any repercussion. In fact, I insist on hearing about problems immediately.
As for your complaint that a negative ACH balance is affecting your payouts... without knowing who you are I cannot research your claim and must draw only from the information that you have graciously shared on this thread.
However, if everything you say is correct, let me point out that you have one account with Paycom. That account pays you proceeds from your sales regardless of where those sales come from (MasterCard, Visa, Discover, JCB, ePassporte, Switch, Solo, ACH). A negative balance on your gross sales means you don't get paid. I mean what is Paycom supposed to do? The scenario you seem to hope for would mean Paycom would just absorb your negative ACH funds and continue to pay you otherwise? I'm sorry, it doesn't work like that.
I invite you to contact me directly if there is anything I can do to help. You don't have to worry. I don't bite (hard). If you have a legitimate problem, I will find a way to get it resolved. That's a promise. If you simply don't understand something, I am more than happy to find the answers you need.
You can contact me directly at Rand @ Paycom (dot) net. Put "Paycom / Oprano" in the subject line and I will get back to you asap. Oh, and please identify your account so I can look into your situation.