QuickBooks does not care and is not going to fix this.  I've brought this to the attention of customer service so many times.  I've put it in very many surveys.  And this string goes back more than five years with customers continuously requesting them to fix this.  Absolutely nothing from them for a fix.  They are deaf to their customers; they don't care.

QuickBooks management is only interested in new ways to charge additional fees.  However, they're also too short-sighted to see that they would increase the number of credit card transactions (and therefore the associated fees) if they would fix this.

As far as any legal concerns about adding the fees automatically, those have been alleviated long ago with court rulings invalidating the few state restrictions.  The large national banks already offer this in their payment solutions.  I suggest using one of those.  It would be nice if QuickBooks allowed this since it would be integrated into the platform, but the banks offer some nice integration support for free.  US Bank's Small Business group provides integration for free if you sign up with them for your merchant services.  It's an upfront time investment, but it can run smoothly afterward and save money with lower fees than QuickBooks.  Depending on your transaction volume and dollars/transaction.  US Bank will negotiate the rates with you.  We use US Bank; that's where I suggest others look also.  It may or may not fit your needs, but they provide much better service than QuickBooks.