RE: Surcharge Paypal users

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http://forums.oscommerce.com/viewtopic.php?p=139282#139282
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I don't know if this belongs under this thread or not, but the PayPal UA doesn't appear to specifically target the 'surcharge and service fees that they charge on received money'.

For instance, if you don't have a merchant account, they charge 2.9% + $.30 on every transaction received.  In order to compensate for this and not lose any money, you have to charge 3.0% + $.30 or you end up losing pennies on the dollar, but aside from that, do paypal fees count as credit card surcharges in this instance?

Are they saying "We're allowed to charge you money for our services, but you're not allowed to recompensate for that money lost"?

Just my 2 cents/1 pence worth (approximately).