Is the business or the customer charged for the credit card and bank transfer fees?

It's nice to see you here in the Community, Lisa! I've got some information about the fees in QuickBooks Payments.

When utilizing QuickBooks Payments to accept customer payments through bank transfers or credit cards, a processing fee is charged to the business. You can view the rates for different payment methods here: Standard Payment Fees & Rates.

I'll also leave this article for info about QuickBooks Payments deposits: QuickBooks Payments deposits in QuickBooks Online.

Please never hesitate to come back to the Community if you have other questions about accepting payments in QuickBooks, Lisa. I'll be around to ensure your concerns are taken care of. Keep safe!

@lisa-sellers-myl 

You can use a 3rd party processor to accept B2B payments by cards and ACH for free.