How do I add the credit card processing fee to an invoice without being charged the processing fee for the base amount AND the processing fee?

Thank you for your response!  However, I don't think it answers my question.  I know how to create the invoice with the fee, what I'd like to know is if the processing fee, that I'm going to be charged, is going to apply to the total invoice amount of $5,145?  So now the fee will be $149.21 ($5,145 x 2.9%), instead of the original $145 ($5,000 x 2.9%).  If so, I wouldn't receive the full $5,000, I'd only receive $4,995.79.  I know it's a small difference but in time it adds up. 

Has this question been answered correctly yet? There should be a clear explanation of how to apply surcharges in Quickbooks for credit card processing without incurring a higher fee from Merchant Accounting. I have Quickbooks Desktop Premier 2018, not Quickbooks Online.

I'm pretty new to the QB Community and in general, however, in reviewing this message, I am thinking about just charging a standard 3% fee to all our credit card customers.  So, if you need to get $5000 for a service in the original example, charging the 3% would be a fee of $150.  Then, the merchant service charges you 2.9% on the $5,150 =  $149.35.  Therefore, you would end up with a net $5,000.65.  We currently take all kinds of cards and they each charge differently.  But over the course of the month, it all averaged out to about 2.8% overall.  So, yes, I might make a few cents on the dollar, but if you tell all your customers a simple 3% fee will be applied to all card transactions, then you won't have to try and figure out a different amount each time, and it makes up for the processing fee for you fees, if you follow me.  This is what I'm thinking about doing myself.  If anybody has any opposition or comment that this would not be a good idea, please feel free to share.  thanks.

The issue I am finding with even calculating the fee and adding it as a line item on the invoice is that you need to know before making the invoice how that customer is going to pay.  I find some customers usually pay with check, but because the option is on the invoice, they sometimes pay via credit card.  So I cannot determine ahead of time exactly how the customer is going to pay.  What would be so great would be if we send the invoice as normal, but when a customer pays via credit card, have the payment page add the fee at that time, then take your fee amount and pay us the invoice amount.  Simple and headache free!

QBO needs to fix this issue ASAP!  I currently have the same issue as others in this thread.  I want to pass the processing fee on to the customers that want to pay via CC.  I currently do this by adding a separate line item on the invoice to show the customer how much they are being charged for using a CC (because QBO doesn't offer the option of auto charging the fee when paying with an alternative payment method).  The problem is that QBO picks up the entire invoice amount as income.  It also shows these transactions as negative numbers for some reason on the Transaction Report??  This means I show the entire amount as income and it doesn't show as a true expense.....actually the the opposite since it comes in as a negative number.  What am I missing??

That's great if they pay with credit card.  I have jobs that people want to pay with credit card but my bill is 15,000.00$.  I can calculate the fee for them but what if they decide to pay with check because they don't want to pay the fee.  So do I have to go back into the invoice and take it off of there? 

HI Betty Jane, 

I have the same issue, but perhaps I processed it differently and may not be correct.

I work with projects where I follow up cost and revenue for each project we get.

On my template invoice I added a service called: "Credit card processing fee" and I tried to assign the 3% proc fee to a suspense account whereby all charges I add to a client will be deducted at the end by the charges I have from bank. The diff will go to bank expense.

The QBO does not allow me to assign a suspense account. It assigns an INCOME account to that.

In your explanation, you add the expense account:"Bank charges"  and let you assign it to an EXPENSE account rather? Please help. . I can't change it from income.

Anticipated thanks for your kind advice.

Can you please let me know how you fix this issue. I am confuse with all answers. Thanks 

We have QB premier.  We have tried to add credit card processing fees as a line.  We use 3%.  The problem is it takes 3% of the previous line, not 3% of the total.  Is there a way to make it do 3% of the total?  

FYI, it is really inconvenient that QB doesn't have this as a feature on the bottom.  I get that it is illegal in some states, but it is legal in the majority of the US.  No, 3% doesn't sound like a lot but small businesses run on slim margins sometimes.  Every little bit helps.  Why should we pay for someone else's credit rewards and allow banks to make a lot of money off not doing anything to earn it.