Of course you do.  You think the merchant reaches into his big bag of charity money when paying the VISA bill?  The price you see includes a 3% VISA tax.  For online merchants with even a small amount of fraud it is more like 5% to 10%.  That steam game for $6 it really is $5 but Steam packs in the projected fraud losses, plus costs of anti-fraud software plus VISA $0.35 PLUS 3% which just kills on low value txs.