Hi: 

Were you able to discover a software that addresses the processing fee situation? Did anyone recommend an accounting software? I am in the same boat, and am very frustrated/disappointed with QBO at this point due to the payment processing function and amount of busy work their "solution" would cause. HORRIBLE! Here's to hoping they fix the issue immediately or someone has found a software that makes this option more feasible... would love to offer the pay online option to our customers but this is thoroughly insane.