I had a small restaurant in Europe. We had a nominal monthly flat charge per card payment terminal, something like 9€ Totally reasonable. It made accepting cards viable even for a a single coffee.

The EU is great at dealing with bullshit like that; essentially free bank transfers within EU, and within 24h, keeping surcharges low, consumer protection.

Oh that’s a great initiative that should be taken on by all governments - looking at good old USA - stealing from small business owners