Australia allows the company to pass on credit card fees direct to the customer — if you can be bothered calculating it. For a while, small coffee shops and th

Australia allows the company to pass on credit card fees direct to the customer — if you can be bothered calculating it. For a while, small coffee shops and the like added around a 20 cent fee for card purchases when tap-and-go payments (paywave, contactless, etc.) became popular. Then the regulator ruled you can only charge the exact fee — on a $3.20 flat white that fee is roughly 6 cents — so they stopped because it was overly burdensome at the point-of-sale to calculate this fee for each card type. Plus the margin on a flat white is so high... On the other hand, airlines also included the credit card fee (and some still do,) but would instead let you pay via bank transfer. On such small margin, this would have been quite a saving for the consumer and the airline. I find this still exists in wholesale suppliers — that 2%~ fee on a Mastercard hits when you are buying a few thousand of inventory. As a small business owner, I find credit card charges are just a "cost of doing business." Shopify fees are way more prohibitive, for instance.