I would like to know fees I pay for customers who pay with the "click and pay option." Also, what options do they have, and how much do I pay for each?

Welcome and thanks for posting in the Community, @susanford88.

When your customers pay an invoice online using the "click and pay" option, the processing fee will be the combined rate based on a percentage of the sale, plus a flat fee. This may bundle the fees of your merchant service provider, processor, issuing bank, and card association.

Your customers can choose whether to pay it using all major debit and credit cards or through bank transfers (ACH). For more information, consider checking out this article: Credit card processing.

I'm also adding these articles for future reference:

• Credit card processing in QuickBooks Online.
• A quick guide to Credit Card processing.

Please let me know if you have any other concerns or issues, and I'll get back to you as soon as possible. I'm more than willing to assist. Have a wonderful weekend!