Thank you for migrating from QuickBooks Desktop to QuickBooks Online, @arenot.
I appreciate the elaboration about using the round reader when accepting payments. I'm here to clarify the extra 1% payable and why it won't work using a Desktop.
QuickBooks Chip and Magstripe Card Reader utilize a micro-USB cable to function with QuickBooks Desktop 2019 or later. Due to QuickBooks Desktop 2020 discontinuation, users can migrate to QuickBooks Online.
The round reader or QuickBooks Card reader you purchased works via Bluetooth in the QuickBooks GoPayment or QuickBooks Online mobile app. That's why our Support representative mentioned there's no fix and recommends using go payments on the phone, including iPhones, iPads, Android phones, and Android tablets.
When you accept payments via tap or insert, you will pay 1% less in processing fees. Otherwise, you pay more for key-in charges.
See this article to learn more about the features of QuickBooks Payments card readers and the programs or applications they work best with: QuickBooks Payments card reader features and compatibility.
Feel free to check out these resources for the complete process of processing payments and deposit speeds:
I hope this sheds light on your situation. Let me know if you have any other concerns about taking credit card payments on the go! Stay safe.
