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And just to reiterate what Murg said: this IS NOT a Chapter/Indigo charge. The don't get the money and have no idea if or how much was charged. This is your bank/credit card charging you (primarily for currency conversion, but who knows what else they try and stick in it). You'll see it on any cross border shopping you do.
When the Kobo ebook store first was available in the US lots of people complained about this because at the time Kobo didn't have a U.S. business entity set up so the charges came from Canada and people got dinged. They got a U.S. business set up a few months later to avoid people getting dinged with bank charges.
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