> Merchants can pass the CC surcharge through; I’d expect them to do so when a very low cost immediate settlement option is available. Canada has had low-cost

> Merchants can pass the CC surcharge through; I’d expect them to do so when a very low cost immediate settlement option is available. Canada has had low-cost Interac debit cards for a long time, and although they've been very popular, merchants generally don't impose any credit card fees. Also, even Canadian online businesses generally don't bother implementing payments with Interac online, so for online shopping it's not even an option. Perhaps some of this will be better at US scale.