[flerchin]

Payment processing networks are not free to build or operate. There are necessarily fraud controls and transaction reversals that require human oversight. This all costs. Nations can and should build this infrastructure, but in the absence, a payment processor is going to charge interchange. Otherwise why would they bother.

[Retric]

Uninvolved companies wouldn’t bother, but outlaw such fees and lenders would still build this kind of infrastructure so they could make money charging people interest.