>In the case of the UT wouldn't it make sense then to just charge US rates and let the customer deal with teh conversion calculation?

To do that, you need the ability to deposit US in Canadian US accounts. As I said, this is not supported for other cards than Visa and Mastercard. This is where the problem is. If we would be able to accept all credit card deposits in Canadian US accounts, this would be ok. But, it is not the case. This is why you have this advantages by living in US, or should I say, having a US company. This is something you and probably most of your clients don't have to deal with. Unfortunately, most of my clients are Canadian and it is a real problem.