The swipe fees are paid by the merchants, not the card owners. So the swipe fees are really hidden in the selling price of each item we buy. And the least understood thing is that the selling prices are determined before the merchant knows how we're going to pay. So if I go in with cash and you go in with a credit card, we're both paying for the same $100 item. But the merchant had to pay the bank a small amount (between $1.50 and $3.00) for your charge, and nothing for my cash payment. That's regardless of whether it was taxable or not.
What Harrisburg is arguing over is whether the swipe fee should be charged for the sales tax as well as the purchase price. It already is being charged for both the purchased item and sale tax, and now they want to eliminate the sales tax portion. It could be a significant amount on a large purchase such as a car... but most of us would never notice the difference on weekly groceries or whatever.
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