About 3% I think, so if I paid for something like a £100 Sansamp pedal from a certain Mr Mason and he asked me to pay friends and family to avoid the fees I'd reply offering to pay an extra £5 to cover it, there's zero legitimate reasons I can think of as to why they'd refuse, if they did I'd cease communication with them, probably Google their name and find a thread on here about him! Lol