Retail isn't paying 3% on their transactions. It's more like 1% for card present transactions. Generally cashless is cheaper for the retailer. Fewer losses t

Retail isn't paying 3% on their transactions. It's more like 1% for card present transactions. Generally cashless is cheaper for the retailer. Fewer losses to employee fraud and robbery. You don't have to pay for employees to deposit cash. The downside is that you're liable to fraud and chargebacks.