@seachanger Here in NZ virtually everything is just EFTPOS (direct debit). The EFTPOS terminals at every retailer automatically pass along the CC surcharge to the customer if you pick the CC option ("This will include a surcharge of $28.71. Do you want to continue?").
There are no paper checks anymore in this country. But EFTPOS is funded by the government and free and everyone uses it. That or free wire transfers. I've seen buskers with bank #s on the sign to wire them money.
seachanger