If you want to know what's bugging the average small business owner, ask for his or her opinion about the credit card processing fees. Every time you buy something with a credit card, it costs the merchant. And here's the rub: Visa and MasterCard rules say that merchants must accept all the cards within their brand. That isn't fair, and consumers are paying the price for premium cards. Instead of charging the cardholders a bit more, merchants are forced to raise their prices on everyone to make up the difference.