If you're a business basically nowhere. Some of the sibling comments are suggesting e.g. the UK where I live. Modestly sized transactions (maybe not the price of a new car or home but from pocket change to a nice family holiday) between individuals are zero cost and typically near instant. But a business can't access those rates.

However the EU forced the payment services sector to cap charges for businesses so you're maybe paying 0.5% or less on a transaction not 2.5% and that's why you don't see amazing cashback card deals or big discounts for cash in the EU normally.

U.K. and South Korea are the two that I know of but there are probably others. (According to the sibling comment, Canada is on the list too.)

Despite what anyone says, the answer is none. Taxes are paying for those electronic transactions to be possible.

Australia has free bank transfers and our credit card fees are regulated to be significantly lower (amex = ~1.5%, visa/mc = ~0.5%).

Canada if you want to pay the Interac (our debit system).

China, for one. (in Beijing atm)