Even so, there's not an option to automate that the fee is not included for those clients/customers who pay by check for example. I don't want my clients that choose to pay by check to pay my 3% "processing fee."  This can affect business especially when my rates re being compared to my competition for future work.  Any option that allows my clients to save a few dollars (especially on larger invoiced amounts that can be hundreds of dollars) is a big deal.