Considering the global reach of the two processing networks...that seems small enough to be a rounding error. Hardly surprising considering the costs of everything seem to be on the rise.
"Interchange is a small fee typically paid by acquirers (retailer’s bank) to issuers (cardholder's bank), to recognise the value delivered to retailers, governments and consumers by accepting electronic payments."
The interchange fee does not go to Visa or Mastercard, do I think they are free to increase any other fee (if they are not colluding in a cartel ;)
BTW This is the reason that in EU credit cards gives no rewards or very small ones. Rewards are, for the most part, coming out of the interchange fee.
https://www.mastercard.com/europe/en/regulatory/european-int...
I have been running into a lot of fee recovery by small businesses here in Ohio. The state parks definitely recover all fees from card payments.
Debit or credit card.