The cap only applies to European debit and credit cards used at an European merchant. It also doesn‘t apply to business cards or three-party schemes like AmEx o

The cap only applies to European debit and credit cards used at an European merchant. It also doesn‘t apply to business cards or three-party schemes like AmEx or Diners (unless they‘re co-branded, due to a recent court ruling). Based on this, I believe it‘she merchant who‘s picking up the tab here.