Bank account Pay Out Prevention?

Alrighty. Lets see if we can find another solution.

Upon the initial charge, there is a fee of 2.9% + .30 on a credit card correct? So this would take .88 cents off of the initial transaction of $20.00, leaving me with $19.12. So to send the money to the client, I would have to then charge the card linked to my bank account that is linked to square, and this would charge another 2.9% + .30, which would turn that $20.00 into $18.27.

How can I go about this to avoid paying fees on the same money twice? What would you recommend?