FWIW handling cash isn't free either. It can be 2-3% as well (depending on a lot of things like volume, change requirements and typical patterns, insurance can

FWIW handling cash isn't free either. It can be 2-3% as well (depending on a lot of things like volume, change requirements and typical patterns, insurance can be less if you have no cash on premises, ...) In many cases the cost of credit cards and cash are surprisingly similar. Especially in Europe with capped fees.