In Norway most in store purchases go through a system run by the Norwegian banks which have much lower transaction costs: Bank Axept https://bankaxept.no/hjelp/

In Norway most in store purchases go through a system run by the Norwegian banks which have much lower transaction costs: Bank Axept https://bankaxept.no/hjelp/priser-for-bankaxept https://bankaxept.no/hjelp/priser-for-bankaxept The fee is 0.135 %