I prefer the transparency, 100%. Personally I’d rather see the credit card fee added at checkout, and hopefully that visibility spurs a desire for the merchant to offer a “fee free” payment method. Using my meat provider as an example, he will accept cash, check, BTC on chain or lightning, and any credit card. But all are the same price to the customer. Which means he’s taken the credit card fees that most orders will cost him and spread it out into the cost of all the products. I will still pay him in BTC since he’s one of the few I know in the physical world who accepts it.