When you receive a payment from a customer that has been made using a Diners or Amex, they deduct their fee before the payment is settled to your bank account. There are several ways to apply a payment made with a credit card to an Sale. Here’s one example:

1. Create a bank account named Asset: Diners Clearing (or similar)
2. Create a Account named Expense: Diners Fees (or similar)
3. Apply payment to the Sale in full using the Asset: Diners Clearing bank account
4. Create a General Journal dated the same date as the payment that pays the amount of the deducted fees to the Expense: Diners Fees Account from the Asset: Diners Clearing bank account.
5. Create a General Journal dated the same date as the payment that transfers the balance of the invoice total from the Asset: Diners Clearing bank account to the your main bank account where the funds were paid into by Diners/Amex.

This method will result in the correct transaction showing in the Bank Reconciliation report. Note the Asset: Diners Clearing account should always balance out to zero. If not a reconciliation may be required to find errors.