Why are my merchant fees almost double the amount they say they should be. Merchant fees state they are 2.99 for cards and we are almost always being charged 4.5 or 5%

Welcome to the Community, zroterv .

When accepting payments via credit cards and digital wallets like Apple Pay, PayPal, and Venmo, a base fee of 2.99% is applied. However, additional fees may apply based on the specific payment method or transaction type. Let me add more information below.

With payment processors like Square or Stripe, there are additional cents added per transaction (Square charges 3.3% + 30¢ and Stripe charges 2.9% + 30¢). For more details about this one, check out this link: Payment rates.

Additionally, I recommend reaching out to our customer support team for better insight into the unexpected charge. They can securely access your account details and provide you with specific information regarding your concern.

Here's how to contact them:

1. Log into your QuickBooks Online account.

2. Click on the Help button located at the top of the page.

3. Navigate to the Search tab, enter your query, and press enter on your keyboard.

4. Select Contact Us.

5. Under the Callback option, click on the Have us call you button to input your details.

6. Finally, choose Get a Call to receive a callback from support

For a comprehensive guide on obtaining assistance with your QuickBooks product or service, check out this article: Get help with QuickBooks products and services.

Discover how to document, alter, and remove expenses in QuickBooks Online for future reference, by checking out this resource: Enter and manage expenses in QuickBooks Online.

You can return here anytime you need further assistance regarding your Merchant fees or any QuickBooks-related concerns. We're always here to provide prompt assistance. Have a nice one.