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Thanks for signing up to QuickBooks Online (QBO), @Es41. And welcome to the Community space.
Allow me to impart some insights about receiving invoice payments in QBO. If you've signed up for your QuickBooks Payments, yes, you'll be charged each time you process a transaction. QuickBooks handles the payment for you and categorizes it into the correct account.
The fees also depend on how you process the invoice payment. Please do know that the fees are subject to change. To learn more about this and to stay updated on the latest rates, check out these resources:
On the other hand, if you haven't signed up for QuickBooks Payment, you'll need to record your invoice payment manually. I'd be glad to walk you through the steps.
You can also see this link for more details: Record invoice payments in QuickBooks Online.
Once you're all set, you'll want to utilize these articles for guidance. These can guide you on how to deposit those payments to your bank and master your way around QBO:
I'm just a few clicks away from you if you need more help recording your invoice payments. I'll be more than happy to work with you again. Have a good one!
Another option, use another processor to accept ACH payments for free.
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