While all the money is coming from the customers this changes which customers pay and more and which pay less. The guy buying a whole month of grocery will pay

While all the money is coming from the customers this changes which customers pay and more and which pay less. The guy buying a whole month of grocery will pay less with (fair) explicit fees, the guy buying a single redbull would pay more. Personally my problem with credit card fees is that they are generally not advertised and the costumer should easily be able to know how much they are going to get charged even before the checkout or ordering (this obviously applies to non VAT-included prices). Merchants on the other hand should reject non-profitable payment options (in my country it is quite rude to try to pay a coffe with a visa/mastercard)