Hello chad38,
When processing online payments using QuickBooks Payments, transaction fees are deducted from the received amount. The rates depend on how the payments were processed. You can use this link for reference: https://quickbooks.intuit.com/payments/pricing/.
If you don't want to use the feature, you can do bank to bank transfer or ACH with the customer. You can include your bank details on the invoice and let them pay directly from their bank.
With this process, you'll need to record the invoice payment manually. You can follow the detailed steps in this article: Record invoice payments in QuickBooks Online
Let us know if you need anything else. Have a great day!
