And this practice is super common but it's usually worded in the reverse and more when dealing with business where being able to accept cards isn't a selling po

And this practice is super common but it's usually worded in the reverse and more when dealing with business where being able to accept cards isn't a selling point, like your rent or government services. They'll just the 3% direct to you. One of the weirder examples was when paying a fee for a permit I needed. They charged me $x for the service, then $y separately to cover the fee for $x.