Thanks for posting here in the QuickBooks Community, @rapidbarricades-,
To shed some insight about this payments question, the system will charge fees per transactions. This is regardless if the payment includes refundable deposits or not.
The credit card processing rate per transaction is the price you pay that covers transaction processing and sending your payments to your account.
If you don't want to get the funds charged with a fee, you can manually record it instead. Fees only applies to online payments made through QuickBooks Payments.
To learn more about the charges or fees for QB Payments on our desktop and online software, please see this article: What are the fees for QuickBooks Payments?
Let me know if you have other questions about this. I'll be more than happy to assist you again. Have a good one!
