I don't run a business but I am in sales. Although as a customer I think paying 3% extra for CC makes it awfully hard for me to make unplanned purchases. And I know business of all types, but especially gun stores, make A LOT on guys that didn't plan to buy anything when they walked in. Now, I normally don't carry hundreds (if any) in cash. So say I'm there looking around and see something I absolutely must have (don't kid yourselves, we all do it), no cash but I do have my debit card, I will most likely buy it on the spot. But if I have to leave the store, go find an ATM from my bank to get cash to save 3% I will most likely talk myself out of spending the money. And the store just lost my purchase. As a sales person I know that your chances of closing go way down if the buyer has time to mull things over...

3% CC fees do hit your bottom line but so does lost discretionary business...