Many moons ago AT&T charged separately for MMS. But now, every message - whether it be a text or MMS - costs you the same. Everything counts as a single "message".
AT&T makes the money off the MediaNet usage your phone have to use to upload the photo in addition to the single message.
However, the iPhone has UNLIMITED "MediaNet (Internet)" usage, so I think At&T wouldn't make a penny off MMS with the iPhone.
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Alexander
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