Very murky waters around passing credit card processing fees to the customer. Some states don't allow it. Some credit card companies don't allow it. But what you can do no problem is go the other way around and give people a discount for paying another way. But you have to advertise the price as including the fees.
And at the end of the dance, how much time did they have to pay their employees trying to avoid the fees while annoying the customer?
Does the planer run with no load, and not trip the breaker?
If not, I'd lean toward an electrical issue with the motor. However, if it only trips while cutting, regardless of how lightly, I would suspect a bearing or other mechanical problem in the drive train. One motor drives the cutter, feed rollers, AND the chip ejector fan. Lots of places to bind up.
You haven't mentioned odd noises, feed rate changes, or poor chip ejection, all of which would be signs of mechanical failure, so its still mysterious.
Just curious, did the segmented cutter help any with the noise that planer makes?
I added a couple more braces from front to back. They should stiffen it a bit, and they give me a spot to attach the plywood bottom that will keep dust out of the drawer. I attached my tools and took it for a test spin. Seems to work well. The balance is really good, so it doesn't take much effort to flip. I bolted through with t nuts, which should be secure without protruding too far on the opposite side.