I hear you Benny but I’m not sure how else I can say it. If you make $100,000 this year in service fees and all of them pay by credit card and the credit card company charges you $3,000 in fees (3%) then when you pay taxes to the IRS, your net income is not $100,000 dollars but $97,000. Credit card fees are a cost of doing business, along with other types of charges and 100% come off off your gross sales. 

In Quickbooks, it was listed as an expense titled “Professional Fees”. Since i was in the e-commerce business, i had several fee categories under that. 

it is a credit card world. By charging fees for something that you will not have to pay for at the end of the year, you lose customers for no reason. Just easier all the way around both for your customer, you, and your accountant