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In ordinary words.
Paying the bill costs a fee for the convenience of paying the bill.
In legal terms.
Card-network rules, state law and disclosure requirements limit certain fees.
Where it stops being legal.
This practice is not categorically legal. Applicable federal, state and local laws, disclosures, procedural protections and the specific facts can make particular conduct unlawful.
General U.S.-focused information. Cases and statutes may have jurisdiction-specific exceptions. This citation may be a general primer; verify the governing primary authority. Not legal advice.