[rileymat2]

I don't know enough about the topic to analyze whether 3% is high or low, but I don't think it makes sense for them to refund the fee in the case of refunds. They have provided the same service, same costs. So I would hardly call them villains for that aspect.

[Marsymars]

If your baseline is “same service, same costs”, then the fees from Visa/MC should be a fixed amount rather than a %.