They scoop the doe-ray-me right out of your pocket....2.8% for transactions under $5,000. They do knock off .1% if it over $5,000, just to be nice. No charge for the K-Y though.....What you really want is a 3rd party with your bank account number and knows you're buying guns....

I believe Uncle Sam will deliver it for less that $0.50.

F.T.N