[jimmywanger]

Sure. In the US, at least where I live, a lot of smaller restaurants don't take cards, as well as a lot of smaller non-chain neighborhood bars.

If you're paying cashless, the credit card processor and company is skimming a small percentage off the tips. With the razor margins in the hospitality/food industry, that 3% adds up to maybe your entire profit margin.

[Scarblac]

In the Netherlands credit cards also take a percentage like that, and that's why they're not accepted everywhere.

But Maestro and VPAY debit cards have a flat fee of something like 5 cents per transaction, less if your company does many.