Comment by crazygringo

> That depends on the market.

Not really, and it doesn't at all if you get charged a markup for paying with a credit card. Places selling similar items tend to accept the similar common payment methods.

> "Fraud protection" is is independent of the fees... It's also not clear why "fraud protection" should cost anything. The bank has no meaningful way to investigate a low dollar amount...

All of that is completely wrong. Fraud protection costs real money. Investigations do happen, and cost the card issuer money. I've had values of $20, $250, $2,000, and $6,000 all eventually reversed. The courts are not set up for disputing chargebacks, and if they were then we'd all be paying more taxes to hire a lot more investigators and judges.