Administrative charges based on number of payments/checks

Client levies administrative charges on payments received for overdue receivables.
If customer send a check, they levy $3 as admin charge.
If customer sends 2 checks then it is $6.

What set up changes are needed to create admin charges on payment.
Normally, Administrative charges are set up to be levied periodically every 30 days.
Can debit memos or adjustments be created by Finance charges set ups based on the number of checks recived?

thanks

Ajay