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Is there anyway of reducing the 2.9% +0.25 cents credit card payment fees?
It's great to have you with us here in QuickBooks Community and I'm excited that you are using or are interested in using QuickBooks Online's Payments feature. It's an option that allows you to streamline accepting payments from your customers by offering the opportunity to pay online via credit card.
There isn't a way to reduce the fees for QuickBooks Payments at this time. They are set amounts that apply across the board for Canadian Merchants, which you can learn more about from the following links.