Is there anyway to automatically charge customers for card processing fees?

RE: Card processing fees are eating profits. 

Yes, you and (keep in mind) every other merchant that accepts credit cards.

RE: Is there anyway to automatically charge customers for card processing fees?

No. For one thing, the fees aren't known before the charge is made as cards are different, carrying different fees for you. And then there's the circular math problem: If the fees are added to the initial sale, then the fees go up. For which you'd need to increase the charge, which would cause the fees to go up again. And so on and so forth.

What you can do for your customers that will use a credit card is tack on a 3% fee (or so) to the sale, which will more or less cover the eventual fee you're charged.

RE: Don't want to charge more would rather just have the customer pay for their rewards amd not me

Do you pay the fees when you use your credit cards? Probably not.

In the end, we all pay for these fees, even when we use cash for purchases. This is because merchants have all raised their prices to cover the 2 - 3% fees they pay for credit card usage - a cost of doing business.

@lomarineelectron 

Are you B2B or B2C? You can use a 3rd party payment processor.

Was there a law passed in CA effective in 2025 that doesn’t allow passing on electronic processing and credit card fees to customers? 

Was there a law passed in CA effective in 2025 that doesn’t allow passing on electronic processing and credit card fees to customers? 

Yes, rajshree. A law was passed in California that prohibits passing on electronic processing and credit card fees to customers.

Effective on July 1, 2024, California Senate Bill 478 bans all "junk fees," which include surcharges on credit card transactions in most situations. This means that businesses are not allowed to impose additional fees for credit card payments, and they cannot disguise these surcharges as "service fees" either.

I also suggest checking California State Law's website for more information about Senate Bill 478.

You can also refer to this article to let your customers pay using ACH bank payment with a convenience fee: Let your customers pay invoices by ACH bank payment with a convenience fee.

In addition to that, I’d like to share more articles that provide helpful guidance on receiving customer payments:

• Find out when QuickBooks Payments deposits customer payments.
• Find transactions, deposits, or fees in the Merchant Service Center.

If you have any follow-up questions about charging customers for card processing fees, we’re here to help. Your success is our priority, feel free to drop a reply below.