Extra Charges...
To me, it does not matter where the extra charges go. If they go to the SP, the Agency, a third party company, or a bank. The fact remains that on a basic two-hour call, $50 to $80 extra can easily be added to the cost; and this is money out of my pocket.
That means that after a couple of credit-card encounters, there's almost enough service charges to have paid for a whole other visit if I had been using cash!
I have accepted that the hobby is not cheap and I am prepared to pay good money for good service. Still, I see no reason to throw extra money away that I could put to more effective use elsewhere. Why should I finance someone else's bonus fund?
Some ATMs (TD, for example) give out $50 bills so this helps address the problem of carying wads of $20s. I also usually hobby at home (single guy with no roommates) so I don't have to risk carrying lots of cash to unfamilar environments.
Zog.