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!