Yes, and also add a third reason: the AH doesn't want to pay Visa/MC 3%, preferring to pass the cost along to the customer who wishes to pay by credit/debit card which, harking back to my original point, puts me in a hole when competing against fellow bidders, especially for desirable high value items, residing in a state where Heritage has no physical presence and who wish to pay by check. A smaller auction house, like Sterling, hungry for new and repeat bidders, must feel they have little choice but to absorb the 3% cost. A similar reasoning probably exists why Heritage won't take Ebay. The FL sales tax and credit card surcharge added $600 to my auction total and that was painful.
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