I was just going through this again and I realized I missed something:
When you process a transaction on a credit card, the customer authorizes you to take money from their account. VARS cannot charge anything on the same credit card without the customer's approval. So there is something very wrong there, unless you are talking about a DEBIT surcharge, and that is added to the price you enter at the time of the transaction.
I see that nobody else discussed rates and services provided by VARS, except one comment - "good things about them", can anyone that is using them elaborate?