As a customer, if you surcharge paypal or credit cards, I'm gone...
Merchant fees are part of the cost of doing business.
And it IS against paypal policy to surcharge to cover fees...
Quote:
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PayPal users are not permitted to impose a surcharge or any other fee for accepting PayPal as payment. For more information, please see Section V of the Payments (Sending, Receiving, Withdrawing) Policy in PayPal's User Agreement.
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The way around this is to offer a "discount" for specific payment methods... so a "normal" transaction has your surcharge built in, and other types of transaction get a "discount"... I still think this is bad.
In my opinion, If you choose to offer an expensive payment gateway, it's not the customer's problem - it's the merchant's. You can get a 2% merchant account with low monthly fees. It's the cost of being in business.