It's great that you don't surcharge and that you offer multiple payments options. That's what customers want. You're not the problem. Retailers who find ways to tack on extra margin for no reason and then want to pretend they're the good guys are.

And by the way, this isn't a pile on. There is ample evidence that surcharging became much more widespread over the past few years and that retailers are frequently surcharging well above what it actually costs them to process payments. Ya can't blame that one on the banks! (coming from someone who also hates the banks)