Is there a monthly fees plus lower discount rates to accept credit cards
QuickBooks Merchant Services fees are fixed. Transactions are priced in line with the services and payment processing methods. You can go to this link for more information about the charges: https://quickbooks.intuit.com/payments/credit-cards/processing/
I have this link in case you have other questions about Merchant Services: QuickBooks Payments.
Feel free to let me know if you need anything else. I'll be here to help.