There is no perhaps about it: Every card out there that gives a decent amount of cash back has a very large interchange fee. The very best ones are easily a per

There is no perhaps about it: Every card out there that gives a decent amount of cash back has a very large interchange fee. The very best ones are easily a percent and a half more than the cheapest ones. Now, the small business might not be paying the fees in such a way that paying with a different credit card costs a different amount of money, but then that just means their payment processor is averaging fees out, and different averages would make the processor charge more overall. Still, using a credit card with foot benefits to you means higher prices in the long run. This doesn't really happen in the EU due to a relative recent ruling standardizing fees, but that's also what makes America's super cards not be issued by their banks. Credit cards, and payments in general, might seem really easy to model on the outside, but the whole space is a gigantic rabbit hole. That is why companies that abstract much of it away are valuable for even large merchants.