Cash management is also very expensive for most merchants. There are effectively 3 reasons merchants might prefer cards to cash these days a) their volume is s

Cash management is also very expensive for most merchants. There are effectively 3 reasons merchants might prefer cards to cash these days a) their volume is so low that cash management is not an issue (that is the transaction fees) b) their margins are so low on a particular item that the transaction fee eats all of it but the broader business still uses credit cards or c) they do not want an electronic record of the sale.