The official Apple store (McShark) in Vienna used to pass this ~3% charge on to consumers (a few years ago, not sure if it's still true today - and also there is a real Apple Store now).
Vienna/Austria is such a strange place wrt payment right now. Some places are cashless, many are cash only, many are card only above a certain amount. I had one lady running a ramen restaurant accept instant SEPA.
And it's going to be interesting tax wise when they remove the requirement for receipts on transactions under 35 EUR.