Hi @drewawhalley.
I appreciate for posting relevant into your issuing bank's intercharge fees in QuickBooks Payments. For QuickBooks Payments, it's a per transaction fee to the business per use of the service.
For now, the cost is 2.9% + $0.25 of each transaction processed, as outlined on the QuickBooks Online Payments page and in the Intuit Canada Merchant Agreement.
On the ther hand, I want to make sure this is taken care of. I also suggest contacting our QuickBooks Payments Support team. From there, they can review your account and can tell you when to charge the 2.4% if possible and advise how to charge customer's card properly.
As always, remember to comment if you have other QuickBooks concerns. I'll be right back to help. Take care always.