Nothing prevented merchants from offering a cash discount. Terms used to prevent merchants from adding a surcharge solely because they were paying with a credit

Nothing prevented merchants from offering a cash discount. Terms used to prevent merchants from adding a surcharge solely because they were paying with a credit card. A class action lawsuit was filed, and the networks settled by allowing merchants to charge a fee only up to what they actually paid to process the charge if they inform the networks first. I gather most merchants don't inform the networks. And when they do charge surcharges, the fee they charge is obviously higher than the payment actually costs them.