Yeah, they include the surcharge in the list price and give you a "discount" for paying in cash (or direct debit). Some merchants include it as a separate line

Yeah, they include the surcharge in the list price and give you a "discount" for paying in cash (or direct debit). Some merchants include it as a separate line item. But remember that taxes aren't included in the list price, so it doesn't stand out as much as it does in other countries.