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Some merchants in Singapore don't accept Visa, but accept Mastercard, because Visa's standard merchant agreement here prohibits adding a surcharge, but Mastercard's and Amex's don't.

Kroger did that very thing last year it was messy.

And the published fees for large supermarkets are going down. Probably because they have the leverage and could even shape consumer behavior by making them used to some alternative.

Yes. Potentially confusing to customers, because Kroger continued to accept Visa debit cards.

In the context of this conversation, the distinction is clear. And Kroger tried super hard to communicate effectively regarding this fight.

> I have yet to see a merchant not accept Visa and accept Mastercard

Costco in Canada.

Costco is unusual as only accepts the credit card issuer that their card is issued through, when AMEX issued their credit card they only accepted AMEX.