Who bears the 2.5% or 1.5% cost?

The 2.5%, 1.5% or the 1.8% cost is under the merchant’s responsibility. Which means, it is a business cost to the merchant.

Can merchant transfer the cost to customer?

Merchant cannot transfer the cost to customer because merchant is the one who needs to pay the cost. Merchant is the one who subscribed to senangPay, not customer. Merchant is the one who gives payment facilities to customer, not customer.

Can merchant increase the price of his/her product/service to cover the 2.5%, 1.5%  or 1.8% cost?

Increasing the price depends on the merchant’s business strategy and decision, thus, it is up to the merchant to decide what is best for his/her business.
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