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This is an interesting argument, but it is not backed up by actual store behavior.

Stores generally try to give extra charges for using credit cards, not the other way around.

It seems like the fair thing to do, should be to allow a store to do whatever it wants, and make these credit card requirements illegal.

So, it would be allowed for stored to charge extra for either cash or credit, whatever they choose, and the credit card companies would be forbidden from stopping this.






That seems to be what we have in The Netherlands.

It's common for online stores to charge a few percent extra for credit card payment (the base price usually applies for the most common form of online payment, iDEAL, which is cheaper, I guess because the banks cut out Visa/MC).

On the other end of the spectrum, there are some physical stores and restaurants (usually chains) that don't accept cash. They're allowed to do that, given that they state so very clearly upfront.




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