Thanks for getting back in the thread, @MC08. I'll share some details about your query so you can get through this and connect your merchant account to your QuickBooks Online (QBO) account.
Before anything else, I'd like to thank you for the effort and time you've put into this. Please know that you'll get the Disapproved prompt if the business description selected on the application violates our Acceptable use policy based on the Merchant agreement. If this is incorrect, I'd recommend choosing a description that best represents your business type, and then you can start reapplying.
See this page for more information about the policy: INTUIT PAYMENTS ACCEPTABLE USE POLICY.
Once you have the description that best fits for your business, see this article to reapply: Take and process payments with QuickBooks Payments.
In addition, I've got you this article in case you'd like to process credit card payments in QBO: Process a credit card payment in QuickBooks Online.
You can also check this page to learn more about the fees in QuickBooks Payments: What are the fees for QuickBooks Payments?
@MC08, If you need further assistance with this. Don't hesitate to get back to me. You can also post here again if you need help performing specific tasks in QuickBooks. I'll be more than happy to help you out again. Take care, and have a good one.
