That ultimately depends on the merchant agreement. Regardless, it's a percentage and/or a flat fee (and usually the flat fee that makes no sense for micropaymen

That ultimately depends on the merchant agreement. Regardless, it's a percentage and/or a flat fee (and usually the flat fee that makes no sense for micropayments), and varies depending on other factors (which creditor, what kind of card, etc). But that's not what I'm talking about. Typically in the US the merchant is responsible for paying all fees and is not allowed to explicitly charge the customer for it in any extra way except through methods like "cash discounts". So the customer will pay for this some other way (like raising the price of the product). I guess that's the difference I'm nitpicking about here...just as ridiculous as it is ok to provide cash discounts but not credit card surcharges, it's ridiculous to claim you're not paying anything for those additional fees, because retailers that have to deal with the possibility of micropayments aren't exactly oblivious to the fact that a percentage+flat fee just killed their profit on a $2 purchase. There is a lot more to the cost of accepting credit cards than just the transaction fee, just as there are costs of accepting cash. It's just that the benefits of accepting cash (i.e. tax fraud as I mentioned above) is a lot more appealing than accepting card payments to many businesses. But I digress...