Medium sized business owner here. We pay a lot more for the handling of cash than for cashless.
This is because the system hates cash and has erected all types barriers and inefficiencies when handling cash.
You should look into Monero, it is like cash but digital. No more worrying about your payment processor cutting you off because of you political views.
Yes they do, but they agree with them for now so you are OK at this point.
According to my friendly neighbourhood corner shop owner they pay 3% on card transactions, unless it’s over a certain amount and then they pay a flat rate.
But he’s not sure what that amount is because as a tiny corner shop they basically never hit it.
Perhaps you’d pay a flat rate if you were paying for a PS5 or something in that price range, I’m not sure.