Processing Fees Feature

I like the idea of being able to pass on processing fees for credit card transactions. I currently still cover the processing fees for ACH transactions since I believe it is only 1.5% and I still want to have an easy way for clients to pay without feeling like there are so many fees. It’s also easier for me so I don’t have to chase down checks or cash. Is there an option in the future to add a toggle feature to where you can toggle to add processing fees for credit cards and untoggle fees for ach transactions? If there was also a way to let the client pay on their account freely without having to create additional invoices, that would be amazing too. Similar to how you pay bills.