The 3% is our fee, not sure what "waiting to transfer" is bringing us in revenues. We gotta eat form something To get those bitcoins to you within that time frame is actually quite hard if you deal with the current banking system as we are, it's not like an exchange where we do peer-to-peer trading. Some of our competitors charge up to 7.5% for this service. And with direct payments through Handelsbanken or iDeal there is no waiting time, so you are probably referring to bankgiro payments or SEPA - again that has to do with the normal banking days.

@Holiman: as others state that is an exchange, although we aren't excluding the possibility that we would support such features in the future.