Credit Card Fees Question

Credit Card Fees Question

How do we record Credit Card Fees the correct way?
Hypothetical Situation:
A customer provides us with American Express Card for deposit of $5,000.00.
The Fees are 150.00. With American Express, they pay the 5,000.00 less the 150.00 for a payment of $4,850.00.

The problem we are having is: When we Record Payment for the $4,850.00 we are left with a balance due for this customer.

With Visa, Master Card etc..  We get the total amount deposited into our account and then the fees are payed at the end of each month. This is also a problem because when we record payment of 4850.00 and insert the $150.00 fees into the fees field, The invoice only shows a payment of 4,850.00 and not $5,000.00. With every Credit card purchase we show a balance.

Some Help Please.

Bobby