I don't know anything about AO. I do however agree with the surcharge. I don't agree with it if it wasn't disclosed cleary though. I agree with the charge because that is actually a small businesses way to keep prices lower. When the credit companies handling fee comes out of your pocket for almost every transaction it will add up. Alot of businesses will just raise their prices to make up for it. So everyone pays whether they pay cash, check, or card. In that circumstance people who are not using the credit service are paying for the people that do. The 3% often doesn't cover the full cost of the fee either. It's just an average. Having discretion also we often waive the fee for regular customers. I have tried some of the companies that charge less in the past. The problem is that they often end up costing more and or their processing is unreliable. One company's system was down more than it was operational. Another wanted to hold your money.

