They’re all covered by identical regulations. Culturally, though, small retailers may still believe that credit card fees are higher than they actually are. T

They’re all covered by identical regulations. Culturally, though, small retailers may still believe that credit card fees are higher than they actually are. They may be concerned about refund and chargeback processes. Or, their gateway either cannot offer credit cards on their POS terminals for technical or compliance reasons, or the retailer simply hasn’t enabled the payment methods. It’s not regulation in NL that blocks small retailers from taking V or MC.