In fact, it used to be something like 15% before taxes as a rule of thumb. It's ooched up to something like 18% minimum (on POS terminals) inclusive of taxes and whatever additional fees are added in some jurisdictions.

I remember it being 10% when I was a kid, 15-20% if you’re generous.

Like how long ago we talking about? 20% minimum is what I've used for 30 years.