QB Issue Resolution:

Nobody here can access your account. That being said, here are the published rates. https://quickbooks.intuit.com/payments/legal/TOC102017/standard-pricing-schedule-sep2017/ there is no 3.16% rate. You are paying possibly 2.9 plus the 25 cents (for customers paying emailed invoices) or 2.4% for card present swiped/dipped or you are on the monthly plan and factoring in the $20/month maintenance charge. You have to compare the actual %/transaction by type as well as add in any per transaction fee and any monthly non-transactional fee to perform your own comparison.

 

If you want Intuit to review they will figure out a sales pitch that shows you already pay less than quoted by the bank, lol. But do shop around. Square, for example, for swiped/dipped card present transactions is a flat 2.75% with no added fees although keyed entries are 3.5% plus $.15 both higher than QuickBooks

Resolution for Issue 'Credit card processing fee' available: Yes (Solved).
Source: Intuit Community forum.

Credit card processing fee: this issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the issue yourself by looking for a resolution described below. If it is a complex issue or you are unable to solve the issue, you may contact us by clicking here or by using other support options.

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