ACH for Quotes

Quotes does not have the ability to collect ACH payment, only credit card.  This is due to a limitation in RFMS that payments can not be posted to Quotes (only orders).  If you were to modify the process and allow Quotes to be exported and payment posted when an ACH was made that would allow us to use ACH for quotes.  Today we have to unnecessarily export quotes before customer agrees just to offer ACH which creates confusion and extra work.  Please fix!!