How Are Contractors Handling Processing Fees Legally with Jobber Payments?

I am going to be watching this thread as I have been recently more aware of this charge. 3% isn't peanuts, so I do need to make a decision about what to do about that charge myself. I have been eating it, but recently have been thinking about what 3% represents to my day to day, month to month, year to year.

And, roselvaggio​ $29K!?!? DAYUM!