If you have enough cash customers, total card transaction costs are not 3-5% of revenue. If you don’t, you’re definitely putting 3-5% back into your pricing to cover the fees.
But the ones in the second case don't put 3-5% back into their pricing, they do a credit surcharge.
But the ones in the second case don't put 3-5% back into their pricing, they do a credit surcharge.