Thank you for your reply, however, that is not a workable solution.  As NealRM points out, this is about hundreds of invoices per month, not a handful.  I also don't want to add a fee to an invoice that will end up being paid by check so I would have to somehow know in advance who will use a credit card and who won't.  I have no reasonable way to know this.

Many other providers offer this "no fee" feature.  Quickbooks is really behind on this.  Unfortunately, I'll have to use a different provider.  Thank you anyway.