A % of that also goes to the issuing bank*, not to MC/Visa, so I suspect the mentioned 0.2% is talking about what MC/Visa has as their cut.
*: That's also how banks can profitably offer things like cashback.
The low fees are for debt and high for credit cards and VISA/MC won't allow you to accebt only the debt cards
You suspect average percentage is low but try to get a payment processor agreement and see within two years what you actually pay overall. It may get even above the rates I mentioned with fix costs the jeopardy to your business when a fraud does occur and the issuer blocks you from accepting any payment, or worse, accuses you of being the fraudster.
We are well educated by the financial system and VISA/Mastercard to believe this technology is for our own good. Many in the financial industry denounces their predatory practice, that of a cartel of 2 or 3 that imposed a dictate for decades. Things are finally changing, resistance will continue but you will see QR or some alternative will settle in.