I'm here to provide information about the pricing rate of QuickBooks Payments, @phaedrus.
The pricing rates you see on the QuickBooks website for ACH are intended for money transfers from your customer account to your bank account. That said, QuickBooks Payments processing fees are for receiving funds such as taking customer payments. For reference, please visit our QuickBooks Payments website.
You can also check this page to further understand the charges whenever processing a transaction: What are the fees for QuickBooks Payments?.
Once everything is fine and you're processing customer payments using the program, verifying the status of the transaction as well as determining when this will reflect in your bank account is easy. To get started, feel free to follow the instructions in this article: Find out when QuickBooks Payments deposits customer payments.
Let me know if you have additional concerns about processing funds in QuickBooks payments. I'm always here ready to lend a hand. Have a great day ahead.
