Let me share some information about transaction fees, larimhd.
You can send your invoices in QuickBooks Online (QBO) for free. However, fees are drafted when signing up with Payments.
This means, there will be a payment charge of 2.9% of the total amount + 25c per transaction when your client pays the invoice (using the link that's attached to it).
The transaction fees also include a credit card processing service, set up and monthly service fees, discount rates, per authorizations fees, and others. For more details about this one, check out this link: Credit card processing.
In addition, refer to this article that provides you an overview of the fees and plans for QuickBooks Payments: What are the fees for QuickBooks Payments?.
If there are any fees/charges you need to clarify, please reach out to our Merchant Services Team. They'll pull up your account in a secure environment and provide you details of your inquiry.
To learn more about QuickBooks Payments, check out these links:
You can always count on me if you need a hand with setting up recurring payments or any QBO related. I'm always here to address them for you. You have a good one.
As an additional option, utilize MP to accept ACH payment for free. Otherwise, ask your customer to utilize MP to pay your invoice by credit card. You will get paid by ACH or check for free.