The way to deal with this would be to use a holding account for your card provider. It’s a very common scenario, but one that’s easy to resolve.
These two topics may help:
- Accounting for income from a payment service provider
- Processing split payments to different customers
The top one is the key one, but assuming your provider takes a fee before paying out, in a nutshell you’d have 3 transactions:
- Payment from client (tagged to invoice, from the holding account)
- Payment to service provider (tagged to an invoice, from the holder account)
- Transfer from holding account to current account for the balance paid to you
I hope that helps?