This has been ongoing.  The merchant services provided by QBO is terrible and good luck getting any support.  You'll spend your whole day being transferred around and ultimately disconnected/hung up on.  I turned off paying invoices through QBO, so I thought but apparently, the merchant account overrides user settings because somehow my client was still somehow able to pay their invoice even though I specifically turned off credit card payments.  The who thing is shady and misleading.  When am I going to pay fees to a merchant that takes over a week to process payments when I can send and receive money instantly and for free using Zelle?  I have been a long-time user going back more than 20 years and Intuit products and customer services are on a serious downhill slide.  QBO was better before they made a bunch of changes over the last year.  Trying to correct inventory mistakes is impossible.  You can't delete or merge items.  It's beyond frustrating.  And what about Mac users who have no alternatives except to  find a Windows computer tto download their company file to desktop so they can covert the to Mac.  Makes no sense!