<prompt> Human: I need some advice PF. I hope this is relevant enough to this sub.Basically I took an ambulance to the hospital last fall here in Oregon. I received a bill several months ago from an out-of-state billing service located in Washington that handles my county fire districts bill payments. They only accept payment by phone, mail, or online and charge a 2.95 convenience fee to make a payment by card, regardless of which of the three options I use. I am trying to pay using my HSA Visa debit card.Reading Visas rules it appears that this merchant is violating several of them by:1. Charging a percentage based convenience fee2. Charging a convenience fee when using a standard payment channel they do not offer an in-person payment option, and even if they did this place is in a completely different state3. The convenience fee does not apply to all payment types in said payment channel, only to cards4. Charging a surcharge thats what this convenience fee really is to use a debit cardWhat are my options here? I made a complaint using the form on Visas website, but the cynic in my thinks that will lead nowhere. It seems really sleazy that this place is trying to dupe people who need firemedical services generally the elderly by charging bogus fees. They did inform me that I can have my HSA bank mail them a check without incurring the charge, but I would like to ensure that they dont do this to other people who dont know any better.Edit: Here are Visas specific rules regarding convenience fees:Convenience Fee RequirementCharged for a bona fide convenience in the form of an alternative paymentchannel outside the Merchants customary payment channels and notcharged solely for the acceptance of a CardAdded only to a Transaction completed in a Card-Absent EnvironmentNot charged if the Merchant operates exclusively in a Card-AbsentEnvironmentCharged only by the Merchant that provides goods or services to theCardholderApplicable to all forms of payment accepted in the payment channelA flat or fixed amount, regardless of the value of the payment dueAnd this is from the Visa merchant FAQ regarding surcharges:Q. Can I assess a surcharge on both credit and debit card purchases?No. The ability to surcharge only applies to credit card purchases, and only under certainconditions. U.S. merchants cannot surcharge debit card or prepaid card purchases. Q. Can I assess a surcharge on debit card transactions for which the cardholder using adebit card chooses credit on the point of sale terminal?No. The ability to surcharge only applies to purchases made with a credit card, and only undercertain conditions.  <response>: Ticketmaster would like to show you how easy it is to charge a convenience fee and get away with it.Mail them a check and move on, most people who call for an ambulance wont stop to look online for payment methods. Its a shitty service and I applaud you for trying but they will come out winning. 