[gwillem]

However, you pay 2.7% for that convenience

[drnick1]

The consumer does not typically pay this directly. It may be passed onto the consumer indirectly through higher prices, but those apply to anyone regardless of payment method. On the contrary, I get cash back on purchases and other rewards.

[quicklime]

Pretty cool that you have a system where poor people pay for your fraud protection, cash back and rewards!