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Swipe fees to the Merchant being based on the class of credit card from the same issuer always seemed like a scam to me. Like one person comes in, taps a Broke Boi Visa and the merchant pays 2%, then the next person taps their Sugar Daddy Visa Infinite and the merchant pays 4%... it makes no sense if the merchant cannot selectively accept or reject certain Visa cards, it should be one value.
That said, cash doesn't cost "nothing". Some businesses are cashless to avoid having to deal with cash which is a legitimate savings despite the card fees.
With cash you have to use labor to count and sort it. You also have to setup with a cash pickup service to securely transfer your cash to the bank. Otherwise you're risking robbery. Which (needless to say) is the most expensive and traumatizing of all the options
So yeah. I don't blame shops for going cashless
I see it as your typical big investor bait and switch. Start off with promise, and then once you have society hooked and it's necessary for businesses normal everyday functions, they remove the value by increasing cc fees. It's already happening.
Maybe one day we'll get credit cards with screens for ads. Watch an ad to swipe your card today 🙂
This is why merchants use the highest fee and bake that into their margin on profit. Everyone’s prices go higher thanks to the merchant fees.