Thanks for writing in! I understand you need to do what's best for your business in terms of fees. For QuickBooks Desktop, we currently have two pricing plans that we offer. This link will show you the breakdown:
If you choose the monthly subscription rate of $20, your processing fees are less than the pay-as-you-go plan.
If you are not already on the monthly plan and would like to take advantage of the lower processing rates, I would suggest reaching out to the payments team to see if they can update your account. Your contact options are listed here: