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J
joe-joezuppa-com
January 20, 2024
Question

How can I have my customers pay the credit card fees?

  • January 20, 2024
  • 3 replies
  • 217 views
When a customer uses a credit card for payment, I would prefer for them to pay for the credit card processing fee

    3 replies

    C
    ChristieAnn 11
    Level 9
    January 20, 2024

    Welcome to the QuickBooks Community, joe-joezuppa.

     

    Having customers pay credit card fees or automatically add processing fees to an invoice is currently unavailable. I've got alternative steps to ensure you can still achieve your goal in QuickBooks Online.

     

    Beforehand, please know that most merchant service agreements stipulate that the merchant will cover processing fees for credit card payments. However, in some cases, businesses pass these fees on to consumers in the form of surcharges to avoid incurring the additional costs themselves.

     

    I recommend creating a service item and naming it Credit Card Processing Fee. This way, you can manually add it to your invoice so your customer will be able to include this on their payment along with the other goods.

     

    To begin, these are the steps:

     

    1. Click the Gear icon.
    2. Choose Product & service.
    3. Click on New then select Service.
    4. Enter the name of your service item. (Example CC Fee)
    5. Select the account you'd use to track the processing fees.
    6. Click Save and Close.

     

    Once done, you can now add the created item as an additional one on the customer's invoice. I've added a screenshot below for visual reference.

     

    In case you need steps on how you can view the status of your sales transactions such as open and paid invoices, you can read this article: View sales transactions in QuickBooks Online.

     

    Don't hesitate to get back to me anytime by clicking the Reply button below if you still have further concerns related to invoices. I'll make sure to respond right away, joe-joezuppa. Stay safe, and have a nice day!

    M
    mariah353
    June 28, 2024

    Since QB will charge the client 2.99% of the TOTAL invoice amount, won't QB charge 2.99% of the service/ product being billed plus the CC fee listed on the invoice? For instance, I charge $5,000 to paint someone's house and then a $149.50 CC fee (2.99% of 5,000). Won't QB charge 2.99% of $5,149.50? How do we get around this? It seems like a merry-go-round with the fee, like we add it to the invoice for the client to pay but the fee just keeps getting higher by being charged 2.99% on top of the fee.

      K
      Kevin_CModerator
      Moderator
      June 28, 2024

      I've got some information to help you clear things up about the credit card payment processing fees, @mariah353.

       

      You're correct that QuickBooks Payments will charge you 2.99% based on the total invoice amount. Thus, it will not accurately match the service fee item you'll be included in the invoice.

       

      In the meantime, I suggest utilizing a third-party payment processor that allows you to receive credit card payments for free with QuickBooks Online invoices. You can visit the QuickBooks App Store to find apps that integrate with the program. You may also look outside of the program if necessary.

       

      For further information about the payment rates, please visit this resource: Standard Payment Fees & Rates.

       

      Additionally, you can read through this article that helps you learn more about the turnaround time to get your customer payments in your bank account: Find out when QuickBooks Payments deposit customer payments.

       

      Get back if there's anything else you want to clarify with payments by leaving a comment below.  I'll be sure to get back to you promptly. Keep safe!

        4
        4Gal
        Level 5
        January 21, 2024

        @joe-joezuppa-com 

        QB Payment doesn't yet offer this feature. Are you B2B or B2C?

        You can use a 3rd party payment processor with that feature to integrate with QBO.

          I
          Izo Creatuve
          January 22, 2026

          It's absurd that QB doesn't offer this functionality. Losing 3% of your margin and having to play the credit card fee game is really annoying and damaging to our business. Could I just charge more? Sure, but I prefer to offer my clients a lower price up front and allow them to choose to pay more for credit processing if they wish. Please add this feature QB. With $200K of revenue, that's almost $6K going to fees, rather than to our business. Considering leaving QB for a competitor because of this shortcoming.

            SIAB
            SIAB
            Level 2
            January 23, 2026

            @Izo Creatuve 

            Unfortunately, I'm not sure they'll offer that feature after all this time. You might want to consider purchasing a third-party service to convert your data to another accounting program.

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