This is horrible, and one reason I am looking to move away from QBO and paying $90/month.  As a business owner I do not know when a customer will choose to write a check or pay with a CC. If you have 200 invoices going out how do you email each one? And then handle responses, apply the fee here and there. It is EXTREMELY inconvenient. And not to mention it comes across as petty to a customer who does not handle receiving payments via CC....and how it adds up.  Plus when you add 3% to your invoice it raises the amount you will need to charge to get what you are owed..........SUCH A PITA.