@jeremycherfas in New Zealand we don’t have to wait for micro payments for the gouge .. here you just need to wave your card to pay at the till .. and the touch less device adds on the vig .. this is not the same as adding a credit card fee .. they add that Seperately

.. no this applies to debit cards as well .. the only way to guarantee to NOT PAY A FEE at time of purchase is to use a debit card and insert it .. and key in your PIN number.