Ok, so this should very simple.  The customer picks ACH or Credit card payment on the invoice payment screen.  The vendor should be able to set that the customer is paying the ACH or Credit Card fee in invoicing template.  When the customer selects how they are paying QB calculates the total to be charged on the ACH or Credit card payment screen.  It should not be on the invoice at all.  My customers are requesting to pay be credit card and I am happy to do that if they pay the fee. This discussion has been going on for years.  It really should not be that difficult to add this to the payment popup screen and as an option under the invoice template payment selection section.