In credit cards, certain low risk retailers get very discounted rates, such as grocers. In Australia, I think it's a flat rate for grocers to accept a card. I

In credit cards, certain low risk retailers get very discounted rates, such as grocers. In Australia, I think it's a flat rate for grocers to accept a card. I wouldn't be surprised if it's similarly lower in Sweden. Also the cost of things are higher in Sweden for everything, so I wouldn't be surprised if that is rolled into the cost of things and everyone pays the credit card tax. Also for large businesses, handling cash has a cost too & card fees are negotiated for lower rates, so accepting cards isn't as big of a deal for them.