Uh, who do I use if not Visa (1.15 to 2.4%) or Mastercard (1.15 to 2.5%)? Square (2.6 to 2.9%)? AMEX (up to 3.3%)? Paypal (3 to 3.5%)?
visa was able to "impose a web of exclusionary agreements on merchants and banks. These agreements penalize Visa’s customers who route transactions to a different debit network or alternative payment system."
BankAxept charges maximum 0.135% fees, even less for high-transaction businesses: