This is not the experience we want you to have, MsParksong. I would be glad to help you with this, but may I ask some clarifying questions? Additional information can help us resolve your concern efficiently.
To assist you more effectively, could you please provide additional details about the issue you're experiencing with the $1 payment? If you are referring to ACH bank payments, this fee related if you receive your customers payments through online.
Please see a sample screenshot below:

Moreover, this page provides detailed information about the various fees and rates associated with using QuickBooks Payments for processing transactions: QuickBooks Payments Rates.
Lastly, this resource aims to provide a step-by-step approach to streamline your payment process: Receive and process payments in QuickBooks Online with QuickBooks Payments.
Feel free to return to this thread if you have any additional questions or need further assistance with any QuickBooks concerns. The entire QuickBooks Community team is here to help you.