How are you going to get people to adopt something that makes them pay a surcharge? Mastercard/Visa are free for the consumer (other than shops that charge for card payment, but they made that illegal in the UK).
See my citations [1] and [2] in the link in my comment you replied to where credit card surcharges charged by merchants are already permitted in the US. If instant payments are free to the customer, but they pay for the credit card transaction, the behavioral economic nudge is obvious.