Abstract: Methods and apparatus for providing the shifting of fees associated with accepting various forms of electronic payment from the retailer to the customer by using a credit proxy. A credit proxy is provided that adds a fee to the monetary value of a transaction, and obtains authorization to approve the transaction from the issuer of the customer's account. In an approved transaction, the customer is charged for the monetary value plus the fee, and the retailer is credited with the monetary value. Thus, the retailer receives the full value of their goods and/or services, and the customer pays for the fees associated with electronic payments.