[Silhouette]

Out of interest, where in EU are 5%+ rates a thing?

Hmm, or maybe you were talking about card payments over internet?

Yes, I was. For example, Stripe's current pricing here in the UK is 20p + 1.4% for European cards (so a transaction of around £5 has a 5% fee) or 20p + 2.9% for non-European cards (so a transaction of around £10 has a 5% fee).

Other online card payment services are broadly similar for small businesses paying the standard advertised rates.