[naruvimama]

I believe merchants are not allowed to charge extra for visa or mastercard, but there is a hefty commission payed to them.

They then use this to attracts customers and/or banks to sign up. Rupay customers end up paying part of the hefty commissions (albeit indirectly) that Visa charges the merchants and the Visa customers get discounts, cash backs and offers.

A payment network is just a payment network, they shouldn't be using their market dominance to run marketing schemes.

[niyaven]

> I believe merchants are not allowed to charge extra for visa or mastercard, but there is a hefty commission payed to them. This is not the case in India but is the case in other markets, yes. The IRCTC (national railway company) is for instance displaying it and the customer has to pay fees depending on the selected payment option. Some actors even hide this amount until you reach the page asking you for an OTP! I don't think it's necessarily done with malicious intent, but it exists.

Sometime you won't see Visa or Mastercard but instead "Debit Card" and "Credit Card" vs "Rupay" for instance.

[naruvimama]

But IRCTC is a behemoth (though it is publicly listed).

We are talking about smaller merchants, would they be able to get away with the same?