In credit cards, certain low risk retailers get very discounted rates, such as grocers.  In Australia, I think it&#x27;s a flat rate for grocers to accept a card.  I wouldn&#x27;t be surprised if it&#x27;s similarly lower in Sweden.<p>Also the cost of things are higher in Sweden for everything, so I wouldn&#x27;t be surprised if that is rolled into the cost of things and everyone pays the credit card tax.<p>Also for large businesses, handling cash has a cost too &amp; card fees are negotiated for lower rates, so accepting cards isn&#x27;t as big of a deal for them.