Actum is good. As long as the fees are not unreasonable we usually offer our ISOs to include it in our funding fees and the merchant will net the difference. I know some people dont agree to this but we feel its better to control it and we get to make sure that the merchant is aware, instead of being surprised like they are many times when the ISO just pulls it.

Granted sometimes you can disclose it and they still dont realize it, so its not a full proof plan.