Failing to disclose that stuff until the end of the meal is crap, and while I agree with those who suggest you should try not to punish the server for management's shortcomings, having $22 slapped onto the bill without warning--even if $18 of it is money I was expecting to pay--would really piss me off.
I think I'd be more inclined to ask for the manager than to go to the ATM, though, and if they refused to adjust the total, I'm not sure what I'd do. If they did paper receipts, I'd be tempted to pay with a card and dispute the amount.
I'd definitely be looking to bitch to the credit card company, though--merchant agreements usually frown on crap like that, even if it's in a jurisdiction where the ability to apply a surcharge for the card is protected by law.
In general, credit card surcharges piss me off. It's 2023, FFS, paying that is as much a part of doing business as paying the electric bill. Build the cost in and move on.
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