When you sign a mercant service agreement with a bank, you are specifically warned that adding 3% is in violation of the terms. Offering a 3% for cash is permitted (sematics). Someone must pay, there are no free lunches! (Second Law) In Asia, merchants almost ALWAYS add 3%, agreement notwithstanding. THey know this, as they, to a man (or woman)will NOT itemize said surcharge. Paypal is, well, not a bank. If the deal hinges upon 3% neither party is serious.
