Hello there, cholo.
I want to make sure you'll be routed to the right support that will help you modify credit card processing from monthly fees charge to per credit card transaction fees charge.
I recommend contacting our QuickBooks Merchant Services Department. They have the necessary tools to help you change credit card processing method.
Here's how you can reach them: QuickBooks Merchant Team.
Also, I'd like to share this article with you to learn more about the fees and rates for credit card processing: Understand credit card processing rates and fees.
If there's anything else I can help you about managing users in QuickBooks Desktop, just let me know. I'd be more than happy to assist you further.