>It seems clear to me that the problem comes down to customers not actually paying the cost of using a particular card or network. You absolutely pay it; you j

>It seems clear to me that the problem comes down to customers not actually paying the cost of using a particular card or network. You absolutely pay it; you just don't see it. Go to small town America and deal with a small business and you'll frequently find businesses that will tell you that you can get a 3% discount paying cash. Go to Walmart or Target or Costco or insert national retailer and the discount or "cash back" will be via their branded card.