why am I being charged transaction fees if I don't take credit cards?

When you have QuickBooks Payments account, there's a fee each time you process a transaction, @sam220. It varies depending on whether the card is swiped (2.5%), invoiced (2.99%), or keyed (3.5%). ACH payments charge a 1% fee on each transaction, and these fees will still be applied even if you don't accept credit cards.

For more details, visit this article: What are the fees for QuickBooks Payments?

However, these fees can also be related to other payment methods or services associated with your account. You can use the Charge Lookup Tool in your QuickBooks account to review your billing history and confirm the charges. For more help, look at Option 1 in this article: Understand Intuit charges on your credit card or bank statement.

Also, to get a better understanding of your charges, I suggest reaching out to our Live Support Team. They can help you review your account safely. Here’s how to contact them:

QuickBooks Payments

• Chat with us
• You can also contact support via chat using the Merchant Service Center.

Contact us through QuickBooks Self Employed

1. Navigate to the Help menu.

2. Click the Search option and type contact support.

3. Choose the Contact Us tab at the bottom.

4. Follow the prompts, then choose a way to connect with us: Have us call you or Chat with us.

For more information on our Live Support Team’s hours, please check this article: Get help with QuickBooks products and services.

To learn more on when a transaction you processed gets disputed, I've added this article for more details: Handle Chargebacks and Retrieval Requests for QuickBooks Payments.

If there’s anything else you need help with, don't hesitate to click the Reply button.