Hi Nat,
Sounds like you’ve had a bit of a tough time using the online payments feature. When a customer pays via online payment, the payment date they see isn’t usually the same as the date it lands in your bank account. You can read more about how that works here.
As for the surcharge you mentioned, they’re usually classified as “spend money” transactions. You can read about online payment surcharging from this link.
If you’ve decided you want to completely turn off online payments, you can follow the steps outlined here.
Regards,
Genreve