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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?

For example, my client owes $5,000;  the c/c processing fee is 2.9%, or $145.  I want to pass this fee on to my client so I create an invoice for a total of $5,145 (Line 1:  Service =$5,000 and Line 2: Credit Card Processing Fee = $145).  In this scenario, will I be charged a 2.9% fee on the total of $5,145.00?