Ah drbond thanks for the clarification.
It surprised to that it would be a primary criteria for you, as you seem too sophisticated.

But, now a understand a gift for your kids is a gracious gift and you need do it Granny's way.

It surprises me that Fidelity would charge a vig.
(It's hard enough to attract assets to manage)
I do know that Univesities as non profits are allowed and do charge 'extra' for large tutition payments.

Are for profits companies allowed in the US to charge Extra??
(most get around this by offering a cash discount, rather than calling it a credit card surcharge.)

But cmon, Fidelity does not give a cash discount , they charge a credit card surcharge.

This is an outdated, I guess seldom enforced rpovision but it is still in the merchant account agreement.