To avoid some of the outrageous fees for accepting credit card payments. Is the option on the invoice for customers to pay by BANK TRRANSFER a more feasible?

I've come to share details about taking and processing payments in QuickBooks Online (QBO), @katie-hartog-sil.

When you have QuickBooks Payments, you can accept electronic payments like credit cards and ACH bank transfer transactions directly from an invoice or email. With the latter one, the processing fee each time is 1% (Max $10).

To make the best decision for your business, here's an overview of fees and plans for QuickBooks Payments: Standard Payment Fees & Rates.

Also, to further guide you in managing sales and payment transactions in QBO and answer the most commonly asked questions about QuickBooks Payments, I'd recommend checking out this article: Frequently Asked Questions. It includes topics about funding status, account management, and payments processing, to name a few.

Let me know in the comments if you have other concerns about payment processing fees and managing income transactions in QBO. I'll gladly help. Take care always, @katie-hartog-sil.

@katie-hartog-sil 

If you are running a B2B business, you can utilize another processor to integrate with your QBO and accept ACH payments for free.