i believe its the seller.....this is a good idea, i think its kinda crappy to ask a buyer to pay your fees for you...although to be 100% honest, I wouldn't really care at all if they just included it in the sales price...that whole add 3% thing is just kind of irritating....just add it into the price and I'm fine with it! please dont ask me to do math
+1 to this.
I cannot understand why sellers refuse to do some elementary maths. PP is 3.5%, so round it up to 4% and you'll even make a little more from the sale. If you have a MO or PP option, just charge the same.