I disagree,

I don't think of credit card charges as an overhead, it is something that a particular customer is wanting to have when he/she could avoid it by paying by a different method.

If you was going to pay by debit card why should you have to absorb some of somebody else's credit card fees that have been included in the labour rate?

When all is said and done it is that customer who is wanting free credit until the month end, why should you or I fund his credit?

Graham