In Germany I saw they charged extra for using my credit card. A U.S. retailer told me the credit card companies won't allow that in the U.S.?
They can't make it an explicit line item of "3% surcharge" or whatever. Instead, the business will raise prices across the board and offer a "cash discount" of 3%
They charge you extra, they just make it invisible. The store has to pay the fees and it causes prices to go up for everyone to cover them.