I paid a vendor for a service (2024) through Quickbooks Payments, who at the time was using Melio for their Bill pay transactions. This was not a credit card transaction, but an ACH direct deposit. I know the 1099-K's only report credit card transactions, but I have been told I do not need to file a 1099-K for transactions through a third party network, which Melio would be considered that. So should I file a 1099-NEC for this payment? It was over $600. I have also used Melio to send checks in the mail to some vendors, so I guess I would have the same question for those as well. Thank you!