Hi there, @williamdavis. 

QuickBooks will automatically convert the percentage amount to decimal point once you enter it in the Rate column.

The program will also round off any numbers to the nearest hundredths in the AMOUNT column. This is the reason why it's converted to 0.03.

This is how QuickBooks is programmed. Thus, you'll want to take note of its difference when recording the fee. You can write these down in the Message on invoice or Message on statement field. 

I can see the impact of this matter to your business. Therefore, let me take note of this as a suggestion to improve your QuickBooks experience.

On the other hand, you can send a feedback to our product developers.  This way, they can review your suggestion and enhance the software in our future updates.

Here's how:

1. Select the Gear icon at the top and click Feedback.
2. Enter your comments or product suggestions. Then, select Next to submit feedback.

For additional reference in including service fee for product or services, check out this article: Add Service Fees Manually to Invoices. 

If you use QuickBooks Payments, customers can pay their invoices directly by credit card or ACH transfer. We process and handle everything for you. When you get paid, QuickBooks puts transactions into the correct accounts.

Please get back to me if you have any other QuickBooks-related concerns. I'll be here ready to assist you. Have a good one!

for $1000 invoice what are the charges if they have to pay the invoice online?

It's great to have you here in the Community, @Globe3030.

In QuickBooks, processing invoice payments online depends on how and what payment method you'd like to process it with.

If you use QuickBooks Payments, fees are applied each time you process a transaction. With that, you can check out this article to have an overview of the payment processing fees: What are the fees for QuickBooks Payments?

Additionally, you can refer to these articles to learn more about QuickBooks Payments:

• Find out when QuickBooks Payments deposits your money.
• QuickBooks Payments Deposits FAQs.

You can always get back to us if you need further assistance. The Community is here to help. Have a good day.

@Globe3030 

If you are running a B2B company, you can accept payments for free through a 3rd party processor.

IF this is supposed to be 1% with a max of $10.00, Why do I have charges of $27.96 for an ACH payment from a client that paid me $2796?  Is the 1% per transaction? per customer? per invoice? I sure as heck have been paying 1% on EVERY SINGLE transaction without a maximum... ALSO, is the increased cost of the subscription a way to get some of the ACH fees unlimited? or is that only for paying bills with ACH?  I want a subscription where my ACCEPTING of ACH payments is included in my monthly fee.... this is getting insane, especially since I have not seen a "MAX" charge of only $10.00.... 

I understand that you want clarifications on ACH fees, crn2023.

To explain further about these charges on your account, I recommend contacting our customer support team. Here's how:

1. Log in to your QuickBooks Online (QBO) account.
2. Click the Help button at the top right corner.
3. Go to the Search tab, then select Contact Us.
4. Enter a brief discussion of your concern, then click Continue.
5. Choose to Have us call you to connect with us.

Our customer support schedule for Plus, Essentials, and Simple Start users is from Monday to Friday, 6 AM to 6 PM PT, and Saturdays from 6 AM to 3 PM PT. If you are using the Advanced version, assistance is accessible 24/7.

I'll drop this article to help you track payments from your customers in QBO: Record invoice payments in QuickBooks Online.

Comment below if you have further questions about ACH transaction fees. I'm here to help.

@crn2023llc 

I want a subscription where my ACCEPTING of ACH payments is included in my monthly fee

Are you B2B or B2C?