LollyNico_C, none of your response clarifies the issue I have with the Payment Processing Fee.

Please define credit card processing via "invoice" (2.9% fee) and "key" (3.4% fee).

I interpreted it as:  if the customer pays an electronic invoice and keys in their credit card information (after following the link on the invoice) it is considered "invoice" and if the merchant keys in the credit card information it is considered "key".

When I send out an invoice and a customer pays the invoice by clicking the link and entering their credit card information, I'm charged the "invoice" fee (2.9%) with one exception. 

Please explain why when a customer clicks the link on an invoice and signs up for autopay (to do this they are required to log into their own intuit account), the payments are then considered "key" and are charged 3.4% fee.