@ intuit guys, I have recently switched from the Mac 2016 version to Windows Pro 2018 and I have to say that the credit card fee process as described above is a big step BACKWARDS from the Mac workflow.  In the Mac version, you add the customer payments, then enter the net deposit amount, and QB proposes the net difference as an expense to the CC fees account.  Boom, hit "save".  Very simple and intuitive.  Just a suggestion for process flow improvement in the windows product.

(PS There are several features in Mac QB that would be nice to have in Windows QB that simplify and speed up work...)