People at CVS SUCK! In their computer system, it tells them to type in the amount WITHOUT the fee. So you tell them $100. ZipZap includes the fee, but the CVS employees think there should be an extra fee from them you must pay. I tried explaining to them that the ZipZap fee is included, but they don't understand this. Go to Walmart.
I just tell them that the fee is built into the total amount and there is no separate fee. They look at me funny for a second, but eventually get it.
I also prefer to use the red phone at CVS instead of having to fill out the paper forms at Walmart. I'm always worried that the Walmart employee is going to punch in some wrong number and my money goes somewhere else.