@BudEWiser, different payment gateway providers have different transaction fee, so you can try different payment methods, for example, Bitcoin has no any extra fees.
Can you work with your payment gateway providers to make these fees transparent? It was a huge surprise to me when I finished checking out only to find out that my card had been charged nearly double what I thought I was going to get charged. In fact, if it wasn't so much of a hassle, I would have done a chargeback over that!
If it was on the first page of the transaction "FileJoker - $14.95" "Service fee - $14.05" "Total: $29.00" we would actually have the option of deciding not to bother with that method and chose another, rather than "Surprise, we didn't bring lube!" after you pay. I would happily pay 10-15, maybe even 25% extra for the convenience of using my credit card, but nearly 90% is just ridiculous!
For those of us without a stockpile of bitcoin, that's also just as expensive! Pay $100 and by the time you've paid the exchange rate and mining fees, you get like $45 in bitcoin. When the fees were lower, it made perfect sense, but now if you don't have a ton of money to throw around, you're pretty screwed.