To give you the best answer to your question, will you be taking credit card payments or just certain methods of payment from the customers when sending out the invoice?
In the meantime, you can review this guide to give you some additional information about QuickBooks Payments.
Let me share information about fees in QuickBooks for PCI Compliance, Kraig.
It's necessary to be aware that whether or not you store card information, accepting credit card payments can lead to fees or fines in the event of a data breach. These could include costs for card re-issuance, acquirer fees, legal fees, and more. You can find details about applicable fees in the "Why is protecting customer payment information important to me" section of the article: Learn about QuickBooks PCI Compliance.
If you don't accept credit card payments, PCI compliance doesn't apply to you, so you won't need to pay for a third-party provider.
Additionally, these resources discuss in detail how to protect customer payment card data from suspicious activities and answer frequently asked questions about the payment card industry: