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You’re not alone. I just paid for something that added a 3% convenience fee for paying with a card. I don’t see it frequently but the behavior is out there.

Otherwise I think the incentive point is exactly right. My town allows you to pay for parking with a mobile app and CC. I’m sometimes charging a dollar total to the card for parking. Not much left for the town after the fees. But I always have my phone and can pay vs carrying cash or coins to pay.

My guess is the town makes more overall in parking fees because of that app



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