[scheme271]

I think the fees are on order of 1-3% depending on your risk and business type. Certainly an issue but it's mitigated a bit by the decreased costs of going cashless. I.e. cashless operations avoids theft by employees; overhead for stocking, counting, and handling money; reduced insurance due to less chances of robbery; etc.

[bell-cot]

Gas stations in my area often give a 3% discount for paying with cash, vs. credit.

Leading me to suspect that they're paying 3%+ to Visa/MC. And that the benefits of cashless are nowhere near what its proponents claim.