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

@martzcustomhomes  I'll give you three guesses and the first two don't count.

The reason you're getting charged rather than receiving the 3% fee from the customer lies in how credit card processing works, @martzcustomhomes. Let me clarify this for you.
 

When your customer pays via credit card, the invoice reflects the full amount charged to them, including the 3% processing fee. However, this amount is not fully transferred to you. Instead, QuickBooks Payments deducts the 3% fee directly from the payment before depositing the remaining funds into your account. This fee covers the cost of securely processing the transaction. You can also check the screenshot below for more details.



 

If you'd like to explore lowering your processing fees, I recommend reviewing this article: Request A Rate Review of QuickBooks Payments Discount Fees.

Additionally, for guidance on handling disputes or chargebacks, you can check out:  Handle Chargebacks and Retrieval Requests for QuickBooks Payments.

We'll be right here and ready to assist anytime you require additional help in credit card charges in QuickBooks Online. You can notify us in the Community by replying to this thread.