I just got off the phone with QB for this exact issue. We were able to process cards through the swipe card feature last night and then it was removed this morning. No notice or anything. They made excuses saying it was a planned removal and in order to receive payment we have to either send it out or enter it manually, which means they charge that higher processing fee. 

We will be switching card processors for this reason due to QB's failure to be user friendly as a point of sale.