I offer paypal and online banking payment
I have considered charging an extra £1 for paypal, but instead of that I decided to put the prices of the paypal-ers up slightly more than the bank payers, so they end up paying about £1 more without realising it.
This covers the charges. I'd say about 15% pay by paypal, the rest by online banking.
The nice thing about paypal is that the customers can use their credit cards, or their paypal balance. One customer told me that because she uses her paypal balance to pay it and it never comes out of her bank account, she feels like she's getting it for free!
Weird, but I kind-of understand.
Collecting? that's so last-century.