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> The vendor pays the 3% not you

In Brazil, you'll typically get a "10% discount" when not paying by credit card.

Eg, it's very clearly pushed unto the consumer. I assume some law says they cannot charge more for it, so they got a default price, but always advertise a lower price with a small text "if paid via pix"

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Wow, 10% is way more than any interchange. So I suppose it a 10% discount because the cash goes right into the owners pocket, and is never taxed. I do wonder to what extent small business complaining about card interchange, are just small businesses complaining that business was so much better when many cash sales were never reported as revenue and never taxed.

For online purchases, the 10% typically applies to Pix, so it's not "outside the governments view". However interesting point with taxes: Next year Brazil is introducing split payments for credit card transactions, where the taxes are withdrawn at the point of sales, instead of being paid later by the merchant.

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