Hi there, Nikk. I'm here to clarify the transaction fees associated with processing payments.
When you process an invoice through QuickBooks Payments, you will be charged a transaction fee based on the payment method, regardless of whether you receive instant deposits.
Nevertheless, you can contact our QuickBooks Payments Team to check if you qualify for a rate review and if there are any other pricing plans for you. Here's an article for more details: Request A Rate Review Of QuickBooks Payments Discount Fees.
For more insights about this, you can refer to these articles:
I'm all ears if you'd like to discuss anything else regarding payment processing.