Where do you think the vendor gets the 3% to pay the network?
If I bake cakes to sell them, and have to pay 3% to a network for each purchase, then that 3% is in the price of the cakes.
If I bake cakes to sell them, and have to pay 3% to a network for each purchase, then that 3% is in the price of the cakes.
I, as a cake seller have a cost i need to pay to the network every month, from my total revenue it's some percentage (depending on ratio of cash vs card). I obviously add that percentage to my cake prices to make up for that. Both cash and card payers pay the same amount for the cake, thus they share the price hike equally.