I'm here to share details about how paying credit cards work, Blair.
When using QuickBooks Payments to pay an invoice by credit card, there is typically a processing fee associated with the transaction. However, you will be charged for it every time you send the transaction, not the customer.
If you want to let your customer pay the fee on your behalf, you'll want to add the processing amount to the invoice. Beforehand, let's create an item. Here's how:
Once done, add the service fee to the invoice before sending it. If you've already sent it, create a new one for the service fee.
Moreover, I've added an article to help you determine when the program adds customer payments to your bank and how to check their statuses: Deposit Speed.
Please keep us posted if you need additional assistance with this topic. We're always committed to helping you with any payment-related concerns or questions.