Are these cc charges really all about recovering costs or just another case of double dipping. Amazing how some just accept explanations. Merchant costs existed before "separate" cc surcharges. And given we are encouraged to use the internet to book and not via humans at their call centre how are we expected to pay other than by card- post in a cheque.
At that time one assumes the cost was built into the airfare, like fuel, wages, food allowances , airport fees etc etc. When they introduced this surcharge did the fare go down by a corresponding amount for those that paid cash -unlikely. So if the fare already incorp the charge, then they charge it again it is double dipping.
Bit like you being charged a surcharge by the supermarket for "electricity use" while shopping.