As the owner of a business myself, I would never charge a credit card fee. I think that a merchant can decline to accept credit cards, but if they accept credit cards, they should do so at the same rate as cash. But that's just me.
I will disagree with you. There is no law that says I must accept credit cards. If the customer wants to pay by card to get points, why should I as a small business eat the cost for them to do so. They are more then welcome to mail me a check, or pay by ACH via the emailed bill and I eat the 1.00 charge for that. But because we don’t do much with credit card we get hit with 3.8%. That adds up. We are service oriented, not a store and email bills unless handwritten at the time and the customer pays by check.
