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I send an email for CosmoPayment complaining about fees and this is what I got in my email: "Yes, it is legal to charge fees for a service, we are a business not a charity."
it's $ 3 a month according to this stupid employee.
Sorry to say, but you must accept and understand that they offer a service, and they must be able to pay their employees somehow too. In order to run Cosmo, they also pay fees to banks etc...
In short, keep in mind that you don't complain about it when you go to the store and they have a surcharge on every product they sell you.
Its pretty much the same with cosmo