If you're accepting Visa and the fee is 0, you should become a merchant account/gateway provider because everywhere else in the world charges 2-3% + US$0.15-0.30+ per transaction not including the risk and fees from chargeback.
?I am speaking as a customer. When I want to send 1 cent by paypal, I pay 26 cents (1 for the transaction + 25 as fees).
When I want to pay something in a shop or a restaurant I pay the price + 0 fee. I don't care if the shop does not receive 100 % of it. If I had paid with cash that would have been the same price.
Paying 1 million time the amount you want to send as a customer is just far away from acceptable.