I just got a check of 9,500ish and I got a business to business transaction fee of 400+ addition to the 115+ monthly usage of the application. This is bleeding me.

Running a business is already challenging enough, and it's entirely understandable to feel overwhelmed when dealing with different service fees, ndcpaintingllc.

If the $400 fee is for accepting online payments from your customers, there might be a way to lighten that load. You can request a rate review to see if you're eligible for any discounts on those fees.

We offer this to customers who have had an average transaction in QuickBooks Online of at least $10,000 over the past three months. If you qualify and are approved, it can significantly reduce the amount you're paying in transaction fees for QuickBooks Payments. This could help to ease some of that financial strain you're feeling.

Here's an article for more details about this: Request a rate review of QuickBooks Payments discount fees.

Aside from that, you can also let your customers pay the convenience fee if they're going to use ACH bank transfer. Open this article to get more information about this: Let your customers pay invoices by ACH bank payment with a convenience fee.

When it comes to the monthly fee, you might consider downgrading your QBO subscription. This is a great option if you only need the basic features and don't use all the tools included in your current plan.

Before making any changes, please review the features included in each subscription tier. Consider which tools are necessary for your business and which ones you can live without. This will help you determine the most cost-effective plan for your needs.

Check out this link and article as a guide: 

• https://quickbooks.intuit.com/pricing/
• Upgrade or downgrade your product's edition

The entire QuickBooks Team is always here if you need anything else.