Paycom is frustrating the hell out of me.

[rand]

The "unregistered guest" is correct.

You cannot simply divide up the method of payments. Paycom is not going to absorb bad ACH transactions that we've previously paid you for. That doesn't make good business sense.

Paycom is an IPSP (Internet Payment Service Provider) and if your ACH balance is negative and your CC sales are positive, your negative ACH balance will be subtracted from your payout total to cover the cost of funds already paid out to you.

I don't see how you could expect anything different.