As a business owner who was warned at length the day the bank gave me my credit card machine, to absulutly not charge my customers the 4.5% service charge or they will take my machine away. I am amazed at how many places add on 5% on their credit card charges, Atlantic Bank tells me if these businesses are reported they will remove the machines. Problem is the clerks, sales people, food servers are just doing what the boss says, they probably dont even know the rules. I only know of one place that actually had their machine removed for doing this.