Thank you very much for your feedback, which we really appreciate.
We do indeed make a 4% surcharge for payment by credit card as stated in our booking Terms & Conditions. As not everyone reads the T&C's it is helpful also to highlight that point here.
VAT is included in all our prices and we do not add a service charge, so there are no 'hidden' extras.
We would be delighted if there were an ATM in Padre Burgos town and we continue to lobby the banks to provide one. But at the moment, the nearest ATM's are in Maasin City which is about 30 minutes drive from here.