The problem I deal with, in my retail side of life, is that all prices are posted on manufacturers websites as MSRP. So, if I am selling a bike and it's $1,000, if I tack that processing fee and work it in to the price, I will get questioned why my price is different than the price listed by the manufacturer...and then they will just order online and save a few bucks.I think about that every time I pay with my Delta Skymiles AMEX. Wish they had a non-AMEX option. But I also feel like vendors should factor CC fees into cost of business and roll that into base pricing, not charge a separate fee on top.