That is not what you are paying for and the fee would be there even if they would transfer instantly.
This is not how I came out and a number of local poskim agreed with me
based on what?
This is not agar natar
even if they charge more than their actual cost?
That is still not what it is for. The money can actually end up in their account faster than if it was by check sometimes
what's it for?
what's it for?i've never heard of a cash vs check discount so I don't know how that's relevant.