Seems reasonable given the payment processing fees. I'm spitballing here, but ordering a single $1.54 letter would cost $0.30 + $0.03 in fees, $0.55 for the st

Seems reasonable given the payment processing fees. I'm spitballing here, but ordering a single $1.54 letter would cost $0.30 + $0.03 in fees, $0.55 for the stamp, $0.03 for the envelope and maybe $0.25 for the labor, paper, ink, machine maintenance, overhead, etc. And that's before advertising and other costs. So it seems pretty reasonable that they want to reduce that $0.30 fee, especially if a large number of people only order one card. And in all honesty, if you're willing to avoid their service over worries of losing $3.46 in credit, you're probably not their ideal customer.