Part of it is because visa and mastercard charge these big fees for their service that make it difficult for small businesses to cover costs and be competitive.

Part of it is because visa and mastercard charge these big fees for their service that make it difficult for small businesses to cover costs and be competitive. A few restaurants by me that are legit brick and mortars (versus stands), have card service, still offer a cash discount of 4%. For stuff like food trucks or table setups on the sidewalks, I don't blame them for going all cash and flying under the radar from the IRS, considering how difficult it is to establish a small business in this county and maintain everything in order as far as the local/state/federal government are concerned. Its almost like the laws are designed to make it difficult unless you have a 'fixer' on your side telling you what forms to file and how to deal with things from the government, just based on people I know who run businesses here and have had to use fixers themselves to understand the byzantine tax process or other licensing issues.