[ferzul]

if the merchant doesn't charge a creditcard surcharge, and using a credit card is worth 1€ to me, and costs 1.01€/transaction to the merchant. but only 90% of transactions are by credit card. well, then i am better off paying by credit card, since 10% of transactions are subsidising my 1€.

(strangely, in australia, card surcharges became normalised just before cash payments fell off a cliff. credit card transactions have also declined; it's visa/mc debit that have skyrocketed.)

[sukilot]

A credit card costs about 3% not 1%. A credit card is a prisoner's dilemma problem where once anyone uses it, the others are pressured to use it also to cut their losses.