I really need to take my meds in the morning. You are paying face + 1.00 for the chip. The additional .50 covers the shipping. So, depending on how you put the math together, you may be correct. You can say that your paying $6.00 in shipping, or you can say that your paying $6.00 for a $5.00 chip, and then .50 to ship it. I guess its all in how you read it. Not that this explaination was any more clearer.