Why is QuickBooks still taking credit card fees from my bank account?
Even after turning on customer surcharges, the platform can end up pulling the fee amount directly out of the total invoice payout instead of passing it fully to the client. This leaves business owners paying unexpected transaction costs out of pocket despite billing the extra amount to the customer.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1Verifying payment transaction details manually to check if customer surcharges and processing fees are handled as distinct charges.
- 2Questioning whether the practice is standard
- 3Pointing out that mandatory tips legally constitute service charges rather than discretionary tips
- 4Looking for distribution options that include everything at a single flat rate
- 5Switching to in-person card readers like Square for lower rates
- 6Accepting checks and ACH payments
- 7Passing credit card fees or surcharges to customers
- 8Using integrated invoicing processor rates like QuickBooks
In their words
Unedited, most upvoted first, each linked to the thread it came from.
“So my client usually pays in check, but this past few months they had to pay with card. I turned on the option for the customer to get the cc fee, but quickbooks pulled the fee out of the total invoice amount.”source ↗
“If they customer got charged extra $ to pay online why is quickbooks withdrawing that $ amount from my bank account also?”source ↗
“the hair stylist just told the bride today that the tip is required in the payment which has to be sent in advance of the wedding.”source ↗
“demanding and including the tip in that seems wild to me. Especially when this was never disclosed at any point in the many months since she was hired.”source ↗
“We got quoted for a press release distribution service, the base rate on the website looked reasonable then the actual invoice had extras for going over 500 words, adding two images, and embedding a video link.”source ↗
“Final cost was almost double the listed price.”source ↗
“The cost we have is 3.15% + $0.30 per transaction amounts to almost 10k in lost revenue.”source ↗
Where this came up
People with this problem also raised
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- 5Why do sellers cancel orders and ask you to buy off-platform?
- 2Why do clients take 30, 60, or 90 days to pay invoices?