Chunkyplanker,
 I totally agree. My wife and I run a business and we accept cards. We're lucky that we've found a merchant bank that only charges us 4% on our transactions. Once we had a client that wanted to know if he could pay for the companies network installation with his Visa card. Af first it shocked me that a company was trying to pay for $100,000 worth of network installation and equipment on a credit card. But he explained that he was trying to do what others earlier in this thread mentioned, build up his reward points. Unfortunately I had to tell him that we couldn't accept that. I explained that if he did that he was going to eat me alive in my merchant fees. At that time we were paying close to 6% and it would have cost us $6,000 in bank fees just because he wanted to use his card. I told him that if he insisted on paying with the card I would have to decline the job. Luckily he understood and simply paid for it with a bank draft.

Ken