Credit card fees charged to the client


Where can we set up the option for clients to pay the credit card fee when they use a credit card?

Accept debit cards as debit cards, not as a CC - no fee as it should be really cheap, about .25 I think
Accept eCheck - no fee as it too should be really cheap
Charge the processor fee to the customer that we pay if they want to use a CC

We paid enough in CC fees last year to hire a part time person. I’m know others paid WAY more than that. I would rather keep the money local by hiring someone than giving it to Visa/MC for doing pretty much nothing.