Im in as well! I have been getting charged over 5% to process transaction when my rate is 2.9%. I have had my accounts frozen 3x by QB over issues I did not know existed because they were calling a phone number not even connected to my account. QB is running a non fiduciary banking system and bundling products together with out our permission which is disrupting our whole platforms over unrelated issues! A class action is required. They get to overcharge, freeze accounts, not give access to speak with the risk department and we get no kind of recourse... Please tell me if Wells Fargo-bank, PaySafe-merchant, ADP-payroll or XERO-accounting software could ever get away with a scheme like this??!! The answer is H*LL NO... They nearly put me out of business 2x already from holding customer payments and freezing my bank account... I was told I had to wait 48-72 business hours for their risk dept to call me as there is no phone number for them... it took longer 72 business hours which is 9 Mon-Fri work days for a call from them.