In Germany (Europe?) it's not allowed to charge additional fees for using a credit/debitcard. However even bank transactions that were externally charged from your account can be reversed for up to 6 weeks.
And i have witnessed many examples in the EU where a person had money transferred from their bank account and the banks could not reverse it.
AFAIK only SEPA direct debit transfers can be canceled/reversed so normal transfers are still not (easily) reversible.
And cash has it's own processing fees (security - cameras, register, transportation; counting), which are also hidden. Some smaller places (e.g. cafés) have moved to cashless payments only, because the costs around cash, and the hassle involved at every step, is too much.