I appreciate you for following the steps above, @alcohol123.

The steps shared above is for QuickBooks Desktop. If you're using QuickBooks Online, you can receive the payment by following the steps below.

1. Click the +New icon, then choose Receive Payment.
2. Select the customer's name, then select an invoice.
3. Click Save and send.

However, if you're using Merchant Service with us the transaction will automatically mark as paid. In this way, I'd suggest contacting our Merchant Support Team. They can check your account securely and provide other troubleshooting steps to get this resolved. You can see their contact information through this link: Contact Payments Support. 

I'm adding these articles that will guide in setting up a credit card subaccount and more details about card fees:

•  About bank or credit card subaccount setup
• Everything You Ever Wanted to Know About Credit Card Fees
• Accepting credit card payments: The Basics

Please let me know if you have any other questions or concerns in the comment section below. I'm more than willing to help. Have a great day!