So, a WARNING to all QuickBooks credit card / merchant services customers: I just wasted hours of my life trying to (1) get a hold of support and then (2) convince that person that Merchant Services was incorrectly charging me 3.4% instead of 2.9%.  Finally, I was able to get the agent (on chat) to acknowledge that this was a mistake. His solution: Going forward my rates will be 2.9%.  ... NOT ACCEPTABLE.  QuickBooks Merchant Services has been screwing me out of 0.5% for EVERY credit card transaction they have processed and it is ONLY because I noticed it, that they made the change going forward.  I am able to run reports going back for at least a year, that shows the transaction amounts and the fees. A simple formula is used to calculate the difference and over just a one year period this amounts to hundreds of dollars I feel they owe me.

If you're using Merchant Services I recommend you log into the Merchant Services portal and do some quick math to keep them honest.

I'm planning to take this information up the chain of command and fight to get my money back. This is unacceptable.