how can i avoid transaction fees 
you can avoid transaction fees by paying for a purchase with cash however if you are using a credit card there will be a per transaction fee charged to the merchant if the merchant does not want to pay the fee they may raise their prices so customers would effectively be subsidizing the fee who pays credit card transaction fees a credit card transaction fee is charged to the merchant or vendor not the cardholder businesses pay the card transaction fees to the credit card issuer or payment processor company can businesses charge a credit card surcharge a merchant is responsible for paying a credit card transaction fee and some merchants charge a credit card surcharge to recoup this expense however in some states it is illegal for merchants to charge a credit card surcharge the bottom lineper transaction fees are charged to merchants not consumers but you may be affected by these fees if the merchant adjusts prices to recoup their expenses merchants especially smaller businesses may also set minimum purchase amounts if you are using a credit card so that they do not lose money on a transaction 