Welcome to the Community, Will.

Let me share some insights about Payments.

In QuickBooks Payments, there's a list of all rates per transaction. For further information, please open Payments & banking rates in QuickBooks Payments.

Let me route you to the best help with QuickBooks Payments. I recommend contacting our Merchant Service Center to help you look into it and explain to you why there's a 3.5% charge in your account.

• You can chat with our Customer Service Team.
• You can also contact support via chat using the Merchant Service Center.

Our live support is available M-F, 6 AM to 6 PM PT.

For easier management of your QuickBooks subscription, use this link to update your billing information: Manage Billing, Payment, and Subscription in QuickBooks Online.

If you have any additional concerns besides payments, please post them here in the community. Stay safe!