That’s exactly what I’m proposing though. Right now it’s cheaper to pay by credit card because I don’t pay the surcharge directly, it’s paid by all customers in

That’s exactly what I’m proposing though. Right now it’s cheaper to pay by credit card because I don’t pay the surcharge directly, it’s paid by all customers including cash customers. I have no choice but to pay by credit card. My proposal above is exactly what is required to make cash a choice. Btw did you read some idea that the surcharge applies to all purchases? The idea of charging the credit cards a surcharge equal to the surcharge they take from the retailer is better for all except the big credit card companies. Customers can use cash without subsidising the credit card users, credit card users can still use credit cards but they won't get ahead vs cash, retailers don't have to absorb the surchage (and ultimately partially pass it on to cash customers).