Thanks for reaching out to us here in the Community.
I'd be happy to explain the charges for credit card transactions when using QuickBooks Payments.
Payments is a great way to integrate a Point of Sale system with the rest of your bookkeeping! You can allow your customers to pay you directly upon receiving their invoice, or auto-charge your customers when using a sales receipt.
The rate for credit card transactions is calculated at 2.9% plus 25 cents per transaction.