That is to be seen. However, at least in Finland the new SEPA rules allow retailers/restaurants/etc. to charge potential fees from customer. Until today the fees have been baked in to the prices. I would though suspect that we Finns are that much cost sensitive that in case there will be additional fees, consumers will react. Mainly the impact will be a high increase in paying with cash. It will be amusing to see the impact in say your local Alepa when the amount of cash used in transaction increases sky high. This will probably increase the need for additional security in stores with additional cost which will be paid by the consumers...