In Australia, the Reserve Bank is finally [banning surcharges](https://www.rba.gov.au/payments-and-infrastructure/review-of...) from October 1st. We also have the EFTPOS network, but the payment rails change depending on the card payment method.

Over the years, the "hidden fees" were accumulating, and card surcharges could hit 1-2.5%. Now, _most_ places don't have any fees (with some food places charging weekend surcharges and some egregious places adding unsolicited tips).