Hello @kjkeenan,
Let me route you to the best help available so someone can privately review your account and get your concern on your payments limit addressed.
Here in the Community, we don't have a direct view of your account for security reasons. Thus said, I'd recommend contacting our Merchant Services Team.
They can pull up and look into your account in a secure environment and explain the components of the payments you received.
To contact our dedicated support, you can check out this article for their phone numbers: Which Payments Product Do You Need Help With?
Lastly, here's an article you can read for your future reference: QuickBooks Merchant Services or QuickBooks Online Support - Who Should I Contact for Help?
Please let me know in the comment section below if you have any other questions. I'll be always around to help.
