where does the 3% charge to the customer go for a credit card payment & why am I getting charged instead of receiving that 3% charge to the customer, invoice shows it

Hi, @martzcustomhomes.

I can see that my colleague has already addressed your question about the 3% charge being applied to you rather than your customer for credit card payments. For more detailed information, please refer to the link provided: https://quickbooks.intuit.com/learn-support/en-us/payments/re-where-does-the-3-charge-to-the-customer-go-for-a-credit-card/01/1535287#M60977

For future reference regarding the processing fees in credit cards, refer to these links below:

• Credit Card Processing Fees and Rates Explained.
• Request a rate review of QuickBooks Payments discount fees.
• Handle chargebacks and retrieval requests for QuickBooks Payments.

If you still have questions regarding your processing fees applied to your credit card, please do not hesitate to reply to this post. We're here to help you!