said by tmc8080:The fees for using Credit Cards is a gray area when you call it the cost of doing business unless you compare them to the cost to the business of being paid some other way (such as by check). The cost of being paid by check is the charge from their bank for depositing and clearing the check (in addition to some prorated part of the cost of the clerk handling the check). Even ignoring the clerk issue, the cost of accepting payment via a credit card is ~2-5% of the charge (ie: The company only gets $0.95-$0.98 on the dollar via cards). Processing a check has a much lower amount being kept by the bank. Thus the fee is supposed to cover the fees that the Bank removes from the total for processing the card. Most fees that I see are much higher than the actual "loss" to the company.
these are user fees that generally don't fly with the consumer.. in addition to fees for using a credit card, etc..
the above fees are the COST OF DOING BUSINESS and if you want to cover your costs of doing business, then you RAISE your prices.. but fees quoted as disconnection fees will tend to violate consumer protection laws..