Once both sides realize they can easily charge 2% (and split between them) on any foreign transactions (like PayLah/PromptPay works for SG-TH,
https://www.dbs.com.sg/personal/depo...ylah-promptpay ) they'll all be onboard.
Gotta give them - no surcharge, and then in the small print "Conversions shall be based on a mark-up of 2% above the foreign exchange rate."