We are having problems with intuit charging us merchant card rates close to 3.96%. we were supposed to be charged 1.69%+some cents on swiped.

Good morning, @o,

Thanks for writing in.  3.96% for swiped transactions would seem high.  For QuickBooks Online, this is our current pricing plan:

QuickBooks Payments

If you're seeing higher fees come in on your swiped transactions, I would suggest reaching out to the Payments team directly.  They will be able to review your account and see your transactions/fees, and determine why they are being processed at a higher rate.

Here are the contact options for the Payments team:

Payments Support

They would be happy to look into this for you!