I have the exact same problem as you, I think is absolutely ridiculous that QB systems designers and programers did not think to allow the option of choosing who pays the electronic transaction fees, it is absolutely imperative that this is allowed and fees can be added at the moment the customer chooses a method of payment when presented with the electronic invoice. If it where a flat fee for everything it'd help but the customer has the option to pay by different methods having different fees and that complicates matters...  QB YOU MUST MAKE THIS OPTION AVAILABLE ASAP PLEASE... THANK YOU