@os-dieselrepair 

As stated, QB does not have an optional ability at all in invoicing, an invoice is final in QB

First thing is to check your state laws, there are some states where surcharging for using a CC is illegal.

For those states that are ok with it, there is still a problem. You are required to put a notice on the store, the check out pages, and on the receipt it must specify the surcharge item and amount, that you surcharge for using a CC and how much, the law says a % is not legal.

In addition to that, you are not allowed to surcharge when a debit or prepaid card is used at all. So if you are taking payments on line I don't see how you can know whether or not a card is a prepaid or debit card in advance.

You would have to create a service type item called surcharge and include it on the invoice for the customer, that would mean you know in advance they will use a CC, and not a debit or prepaid card

Best option is just raise your prices slightly, or accept that a merchant charge is just a cost of doing business.