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I think the OP is saying that s/he had the opportunity to see some breakdown of the fee charged to his/her card and that of the charge, the credit card was charging Kobo an amount ranging from 2.7-4.6% that would include processing and other fees. So, not money out of the OP's pocket, but out of Kobo's margin.
I think that surcharges on credit card transactions are disallowed under the merchant agreements with Visa and MasterCard in most jurisdictions.
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