Accounting for BANK CHARGE deducted and CREDIT CARD admin charges

When completing our training it was highlighted that SAGE when allocating Funds received cannot account for BANK CHARGES and only has the option to write off to DISCOUNT!! how do others work around this as we are having to complete the following.

We account in sterling and receive sterling from international banks that on many occasions deduct BANK charges and this is the work around we are being advised to complete;

  

completing BANK CHARGES through Discount then means we cannot use Discount, so we are having to analyse the discount code in the nominal and move to bank charges.

NEXT PROBLEM.

Accounting for ADMIN charges on credit card charges (yes we can charge the customer paying the fee that we are being charged by the bank)

So a customer will pay his invoice with a small fee on top, what we are having to do is as below.

So we are creating a Debtor with cash transaction sitting on it that then we have to raise an invoice for.

SHOULD WE NOT HAVE DROP DOWN OPTIONS BANK WRITE OFF not just to DISCOUNT ETC BUT TO NOMINAL CODES ETC.