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

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!

@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.

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.

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!

@mariah353 

Are you B2B?

Yes.

Does QuickBooks have this option now?  If not, is it in the works?

I'm here to answer your query about credit card fees, BMPDO.

The option to have customers pay with credit card fees or automatically add processing fees to an invoice is currently not available in QuickBooks Online. However, I have an alternative suggestion to help you achieve your goal. 

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. Tick Save and Close.

For more information about payment rates, you can visit this resource:Standard Payment Fees & Rates.

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

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

Feel free to reach out to us here in the Community if you have any questions or concerns. We're here to help!

@BMPDO 

If you are B2B, you can use a 3rd party processor to accept payments for free by ACH and cards.

I find this cc fee to be  problem for my business. I operate a remodel business and fees can be large. In my opinion this should not be my responsibility. Why would I pay the customers cc fee for them to use there card so they can get a reward ( 1.5% cash back etc.) on there card. I simply will not use the get paid service from QBO until they change this. I have used other software for local softball club and it is a simple button that I can turn on or off that automatically lets me pass the cc fee on to the customer. Please fix this for businesses that would like to pass the fee on to the consumer.

Good Morning 406 Home Improvements!
 

Welcome to the QuickBooks Community, and thank you for chiming in on the thread! I completely understand where you are coming from. I will take this as feedback and share it with our Team as they make more improvements to the program. Feel free to join in by submitting a request as well using the link below.

• QuickBooks Feedback

Let me know if there is anything I can help you with! My team and I are here to assist. See you around.  

Ultimately, the system isn't attainable for those who charge their customers, correct? We are non-profit, and we'd like to give our members the option to via credit card or digital wallet. To have a member contact the treasurer ahead of time to say they'd like to pay via credit card, have the treasurer revise the invoice, resend the invoice, and then give the member the okay to pay is inefficient at best. 

Yes, you are correct that your customers cannot automatically pay their fees using credit cards or digital wallets in QuickBooks Online (QBO), @jdtate.

However, I recommend providing feedback directly to our product engineers so they can consider this feature for future updates.

Here's how to send your request:

1. Go to Help and select Send Feedback Online.
2. Choose Product Suggestion.
3. In the Here is my suggestion field, enter your feedback about adding the option to display quarterly amounts.
4. Fill in the necessary details.
5. Once done, click Send Feedback.

Moreover, the ability to view and analyze sales transactions in QBO enhances operational efficiency, financial management, and strategic planning. Check this article: View sales transactions in QuickBooks Online.

If you need more help regarding invoices and payments, tick the reply button to seek assistance. Have a great day.

Lol don't bother. Like most issues raised here, this has been a problem for years and Quickbooks support consists of either gaslighting or irrelevant formulaic responses. 

Qb will charge the credit card processing fee on the ENTIRE amount- including this new line item which we are trying to use to charge the CUSTOMER this fee. 

How do we charge the customer the credit card fee only without raising the amount QuickBooks charges on the entire invoice?

@Mlhi 

Using a third-party payment processor to sync with QBO is the only solution at this time.