Now I’m more shocked to learn that having work done by a professional doesn’t result in an invoice but instead requires immediate payment? Card fees in Europe

Now I’m more shocked to learn that having work done by a professional doesn’t result in an invoice but instead requires immediate payment? Card fees in Europe I think can’t be shifted to the customer but that obviously means they are just part of the price. But - the price is the same regardless of payment method, so there is no money saved by avoiding cards. That’s why I consider everything to be 0-fee (invoice, card, money transfer).