Is there a way to avoid these new transaction fees I'm seeing?

I got you covered, CummingsM.

There are different ways to record a payment in QuickBooks Online (QBO). The first option is to create a Receive Payment transaction and match it with an invoice.

Here's how:

1. Go to + New.
2. Select Receive payment.
3. From the Customer dropdown, choose a customer.
4. In the Outstanding Transactions section, select the unpaid invoice you wish to apply the payment toward.
5. In the Payment method dropdown, select the payment method.
6. Select Save and close.

I'll share with you this article for other ways on recording payments in QuickBooks Online: Take and process payments in QuickBooks Online with QuickBooks Payments.

Once you record all the payments, you'll want to deposit them. Here's how:

1. Go to the + New menu.
2. Select Bank Deposit.
3. Enter a negative amount 100 to the Add funds to this deposit section.
4. Review the information and click Save and close.

More information about making bank deposits can be found in this article: Record and make bank deposits in QuickBooks Online.

Do remember that all deposits you create in QBO must match exactly what is on your bank statement as a deposit. If it doesn’t you will need to delete your QBO deposits and start again.

You'll also want to check out this article abut matching transactions in your Online Banking: Categorize and match online bank transactions in QuickBooks Online.

If you have other questions or need further assistance with recording payments, please let me know. Keep safe and have a nice day.

Hi, cricket69.

I understand that you want a payment processor will accept ACH payments for free. With that, you may want to visit our QuickBooks Apps store to find the right processor of your business needs. You can review the product and see its ratings and reviews as well. 

Here's how:

1. Go to the QuickBooks Apps store.
2. Type in ''Payment processor will accept ACH payments for free'' in the Search field.
3. Choose an application to read its overview.
4. Click Get app now to process your order.

Aside from this, Fiat Lux - ASIA will give you suggestions on what payment processor you will use that will accept ACH for free. 

For more insights about handling QuickBooks Payments, you can refer to these articles:

• Get started with QuickBooks Payments.
• Standard Payment Fees & Rate
• Keep cash flow strong with faster deposits.

• Common questions about payments deposits in QuickBooks Online.

Be sure to get back to me if you have additional questions with your ACH payments. It would be my pleasure to help. Have a good one!