> You don’t. The merchant you are buying from is choosing to pay 3% for credit card payments because they believe incentivizing people to pay with credit cards will result in them earning more (via higher prices or higher margin goods) than incentivizing them to pay with debit/cash.

Why are you putting the onus on the retailer? Don't assume malice or intent from them.

I operate online businesses; so 99% of my sales are credit card. I get the occasional wire/ACH or a check in the mail. I'd love to not pay 3% of all my revenue to credit card processors, but most people want to use credit card / PayPal / etc. because it's more convenient for them.

I'm happy to offer a discount if someone wants to pay via a non-credit card, but I don't raise my prices because of it. I just have to suck it up and eat that cost. My margins are not high and I would've made about 27% more last year had I not had to do that. You're welcome.