> credit card fees Credit cards are the highest transaction fees and almost entirely due to the need to keep paying users to use them (ie all the rewards point

> credit card fees Credit cards are the highest transaction fees and almost entirely due to the need to keep paying users to use them (ie all the rewards points and cash back). Debit card transactions are much less (due to legislation). And bank transfers are a dime. Companies like Starbucks have brought the costs even lower by bundling up transactions.