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MYOB & Quickbooks – Adding Credit Card Surcharges to Invoices


MYOB and Quickbooks - Adding Credit Card surcharges to Invoices

Adding Credit Card Surcharges to Invoices

A client emailed, concerned about the extra Merchant Charges they pay when clients pay by credit cards. There are a number of ways to deal with it depending on the type of layout you use.

  1. First, are there only specific customers who pay by credit card? If so, you could create a second invoice template and add the CC charge into it, then use the correct template to each customer.
  2. Or, you could add the surcharge into your standard template (say after a subtotal) but then you’d have to credit back the surcharge if the customer paid using another method. Or have a message at the bottom to ignore the charge if not paying by credit card.
  3. Another option is to create a large, bold text message box stating there is a surcharge for credit card payments and then show an example calculation after the text which would work out a set percentage of their invoice and actually show the amount that is extra.
    Your bookkeeper can make changes like these to your software templates, or call us to help!

What do you do?


Author: Account keeping plus (Business accounting software

Administration, Bookkeeping and Compliance for small business, and Self-Managed Super Funds (SMSF) Training, trouble-shooting, or we can do the books and payroll for you! Self Managed Superannuation Fund Service Provider, Free support 30 min call 0407 361 596 Australia (+61 drop 0 from overseas) MYOB Certified Consultant, Reckon/QuickBooks Professional Partner.

8 thoughts on “MYOB & Quickbooks – Adding Credit Card Surcharges to Invoices

  1. are the surcharges taxable or non taxable?


    • Thanks for a good question Jonathan – Depends on the laws in your country – where are you from? In Australia for eg, any supply that is not food and bank fees (and a few other items) have NO tax, so ALL other supplies that give or add value, have tax. Check with your tax professional!


  2. Charge the fee to an “other income” account?


  3. Hi,

    Been searching for a while for a solution to this.

    We have a few specific customers who pay by credit card.

    Could you please provide a bit more detail on how to
    “create a second invoice template and add the CC charge into it, then use the correct template to each customer.”

    Do you mean create a custom sales layout (service, professional, etc) or do you mean create a new customized invoice? If the latter, how to you add a cc surcharge onto this? I cannot see how to do this with the fields available.



    • Hi Andrew
      What I mean is if you need the regular invoice already being used /customised as you need, you can create another for when credit card charges are required for certain customers.
      To charge for Credit card charges, it is easiest to decide an average price based on past charges (say last 2 month average per sale, from the Merchant Statement)
      Then the Credit Card charge will be either – another item that you ADD to the invoice, or if using service invoice layout, another line which says Credit Card Charge, and save the template as a Credit Card Invoice

      There is no special field or mechanism in MYOB or Reckon/QuickBooks in the popular versions unfortunately

      Regards, paul


  4. Hi Team

    i am currently using reckon enterprise 2015 and process customer credit payments – (virtual terminal) via paypal with payment direct into our bank. I am looking at oncharging CBA’s merchant fees for this facility as they are quite high and am unsure how to do this. If i add a surchage to the original invoice; this higher amount is what CBA will charge us on (ending up with higher fees).

    Any help would be greatly appreciated.


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