The vendor pays the 3% not you (through increasingly vendors try to charge this fee to you as well). If you as the consumer had to pay 3% extra every time, do you still agree?
> The vendor pays the 3% not you
In Brazil, you'll typically get a "10% discount" when not paying by credit card.
Eg, it's very clearly pushed unto the consumer. I assume some law says they cannot charge more for it, so they got a default price, but always advertise a lower price with a small text "if paid via pix"
All fees and taxes and tariffs end up being a direct cost to the consumer
Where do you think the vendor gets the 3% to pay the network?
If I bake cakes to sell them, and have to pay 3% to a network for each purchase, then that 3% is in the price of the cakes.