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As related, this is basically a credit card surcharge, it's just being included in the sales price. Of course, since you can only buy Kobo books by credit card, their is not offsetting ability to purchase using cash.
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You can buy Kobo books using Paypal, and if your Paypal account is linked to your bank account like mine is - no annoying credit card surcharges.
But I do agree that it would be good if Kobo had a cart for when you want to buy more than one book at a time.