I think it is fair since merchants cannot have differential pricing for cash and credit card customers. The charge should be standardised to a fixed %. The merchant is expected to pay this charge and also spend some time and effort in recovering the same from the bank. Not all banks reimburse smoothly and quite often needs follow up incurring expenditure like phone calls, depositing slips with bank and keeping records for the future. If the charge is standardised, the merchant also will not feel guilty. The days of selling the concept of credit card is over. Now it is part of the system and I positive the customer do not mind a small charge for the benefits he reaps. I am not a merchant but in the corse of my profession have practically seen the operations. Balu Sankar
