(1) Cash discounts were always permitted ("2% off for paying with cash")

(2) Credit surcharges and minimums used to be forbidden, but they are not anymore ("2% surcharge for paying with credit, minimum $10 for card payments")

(3) It wasn't federal law, it was the merchant agreements that precluded credit card minimums and surcharges as a condition of signing up to accept credit card payments from each of the major issuers.

And even Visa and MasterCard took a while to get hold. I remember Aldi holding out for ages.

Small dollar transactions really need a better solution. Idk swipe rates, but something like 2.9% + $0.30 being a total transaction cost of 5.9% is just insane. Especially if you’re business is majority small transactions such as could be the case in a bodega or gas station.