 cut the business that allowed credit card usage and they would absorb that as a cost of doing business and sometime in the last few years that has turned around and that fee is now being passed on to the consumer at the point of purchase and we're seeing it in many if not the majority of credit card and debit card transactions now and um it's not unlike if you're purchasing a money order as you said you have to pay the fee to purchase that yeah you've always had to do that right you've always had to buy a money order