If you are running a B2C operation, you should explore what your bank can offer. Wise offers ACH payment for free (2-3 days) and wire payment for $7,5 per transaction (< 12 hours).
https:// wise.prf.hn/l/64dl92k
Otherwise, consider a payment processor to integrate with your QBO. One app offers $0.65 + 0.2% to integrate with your QBO invoice.
