That might not happen, credit card fees are usually broken down as so: 1. Receiving Bank Fee 2. Sending Bank Fee (most of the charge) 3. Network fee (visa, mas

That might not happen, credit card fees are usually broken down as so: 1. Receiving Bank Fee 2. Sending Bank Fee (most of the charge) 3. Network fee (visa, mastercard, etc) And a good amount of fraud built into those fees. Fees often vary by fraud risk, with internet and telephone charging ~3% and supermarkets getting around %1 already. Debit cards can be flat fee also.