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is the percentage lower if I use a card reader?
Yes, you can definitely get a lower fee when using the card reader. Here's our updated pricing information for QuickBooks Payments: https://quickbooks.intuit.com/payments/mobile-payments/
You can also check this helpful article about setting up the USB Magtek card reader with a QuickBooks payments.
If you have other concern, please don't hesitate to post again in the Community space. Have a good one!