It looks like it was itemized on the credit card transaction receipt which would indeed be part of the process of being allowed.

There are so many ways to look at this issue's progress. One is the dramatic increase of takeaway/online orders is leading to a significant increase in payment via app or online (this triggers the CNP provision which are the most expensive credit card fees possible). We already do see many online restaurant portals charging extra for menu items and so forth. There really isn't a viable online debit network in the US that isn't owned by Visa/MC these days. Many other countries have these options which work well for online purchases of these type without having a significant increase in the fees.

I am still pondering on what happened to all of these credit card benefits that essentially disappeared overnight (extended warranty, price protection, travel benefits, etc.). One could argue that credit card issuers are always trying to increase their profits. But they have also been doing that via higher interest rates (or more spread between key published rates and what they charge on cards), other fees, etc. I do believe MC and Visa were helping issuers negotiate these insurance policies historically. I actually am now thinking that the decision to remove these benefits is in part of preparation to some sort of new discount fee showdown with merchants still to come. If these surcharges become more prevalent, the fastest way would be for Visa/MC to cut rates dramatically (remember surcharges must be based on what is paid). I think that could stop the surcharge issue pretty quickly.

AmEx continues to report increases in reward costs. We will have to see if Chase says a similar message. Now AmEx has lots of padding due to their high annual fees, but I am unsure how that appears across the rest of the issuers. There does appear to be a pretty big battle for the wallet share at the moment with people who spend a lot on card having too many options on where to place that spend. Some of the deals such as Capital One offering targeted 4% rebates for mostly dormant cardholders (and then promptly getting Plastiq, a surcharge vendor, to lose Capital One access) are all interesting. This means that the issuers are having to drive volume and spend money to get that marketshare. Almost none of it benefits the merchant....