Cash discounts only really exist for locally owned restaurants and other smaller retailers, not bigger ones like Macy's or Best Buy which have a flat price. So

Cash discounts only really exist for locally owned restaurants and other smaller retailers, not bigger ones like Macy's or Best Buy which have a flat price. So in most cases it is in fact the cash purchasers who are paying the 3% fee implicitly but getting no benefits back in the form of cash back or points.