Visa and Mastercard are the ones setting the rules. They are the ones who decided that the fee can't be added on to the purchase price. If your credit card adde

Visa and Mastercard are the ones setting the rules. They are the ones who decided that the fee can't be added on to the purchase price. If your credit card added 1% to every transaction from your perspective, but the competing bank's card only added 0.3%, you would have competition pressure.