Welcome to the Community, Will.
Let me share some insights about Payments.
In QuickBooks Payments, there's a list of all rates per transaction. For further information, please open Payments & banking rates in QuickBooks Payments.
Let me route you to the best help with QuickBooks Payments. I recommend contacting our Merchant Service Center to help you look into it and explain to you why there's a 3.5% charge in your account.
Our live support is available M-F, 6 AM to 6 PM PT.
For easier management of your QuickBooks subscription, use this link to update your billing information: Manage Billing, Payment, and Subscription in QuickBooks Online.
If you have any additional concerns besides payments, please post them here in the community. Stay safe!
