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more than that, based on EU regulations, charging extra for credit-card use is now illegal in germany. but confusingly this law does not apply to paypal transactions

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Wait, charging extra for credit card use is illegal?

Sure, I don't know the details about Germany but I'm pretty sure it's the same in the UK. https://www.gov.uk/government/news/card-surcharge-ban-means-...

Yes, which makes some sense given that the EU has also capped interchange to 0.3% for credit cards.

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